TellerScore

Maine Solutions Federal Credit Union (NCUA charter #17436) is based in South Portland, Maine. Its Q2 2026 call report shows $20.9M in total assets and $18.7M in member shares and deposits and 3 offices.

Maine Solutions Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 48 credit unions headquartered in Maine, it ranks 31st. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 3% uninsured); earnings contributes the least (22/100, 0.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.02%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings22/100
Return on assets (annualized): 0.06%
Funding & liquidity100/100
Loans ÷ shares: 60.1% · 3.1% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 13 points (74 → 61), mostly because the loan quality component weakened by 29 points.

TellerScore
616874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202466
Q4 202467
Q1 202572
Q2 202574
Q3 202566
Q4 202565
Q1 202662
Q2 202661
Net worth ratio
7.00%8.57%10.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.22%
Q3 20249.53%
Q4 20249.72%
Q1 20259.72%
Q2 202510.12%
Q3 202510.07%
Q4 202510.13%
Q1 20269.77%
Q2 202610.02%
Delinquent loans (60+ days)
0.00%0.44%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.19%
Q4 20240.18%
Q1 20250.03%
Q2 20250.00%
Q3 20250.81%
Q4 20250.84%
Q1 20260.86%
Q2 20260.88%
Return on assets
0.06%0.37%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.08%
Q3 20240.06%
Q4 20240.17%
Q1 20250.60%
Q2 20250.69%
Q3 20250.58%
Q4 20250.45%
Q1 20260.28%
Q2 20260.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$20.9M10.02%0.88%0.06%60.1%
Q1 202662$21.5M9.77%0.86%0.28%59.0%
Q4 202565$20.6M10.13%0.84%0.45%63.6%
Q3 202566$20.7M10.07%0.81%0.58%65.1%
Q2 202574$20.4M10.12%0.00%0.69%66.4%
Q1 202572$20.9M9.72%0.03%0.60%62.7%
Q4 202467$20.5M9.72%0.18%0.17%67.4%
Q3 202466$20.7M9.53%0.19%0.06%64.7%
Q2 202467$21.3M9.22%0.00%0.08%64.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.02%
17th
Problem loans0.88%
43rd
Net charge-offs-0.02%
89th
Return on assets0.06%
21st
Loans to deposits60.1%
48th
Uninsured deposits3.1%
35th
Loan-loss reserves0.00%
37th
Texas ratio4.7%
31st

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Maine Media Federal Credit UnionCredit union Portland, ME67 out of 100, Moderate$7.0M15.5%2.04%vs
Milestones Federal Credit UnionCredit union Lewiston, ME62 out of 100, Moderate$35.1M10.9%0.76%vs
Great Falls Regional Federal Credit UnionCredit union Lewiston, ME78 out of 100, Strong$66.0M13.3%0.46%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%vs
Sabattus Regional Credit UnionCredit union Sabattus, ME70 out of 100, Strong$85.2M10.3%0.76%vs

Deposit insurance

Is my money safe at Maine Solutions Federal Credit Union?

Yes. Maine Solutions Federal Credit Union is a federally insured credit union (NCUA charter #17436). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.1% of shares and deposits ($577K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Maine Solutions Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Maine Solutions Federal Credit Union
Type
Federal credit union
NCUA charter #
17436
RSSD ID
287388
Primary regulator
NCUA
Established
1966
Headquarters
405 Western Avenue #515, P.O. Box 9, South Portland, ME 04116
Employees
3

Quick answers

Maine Solutions Federal Credit Union: common questions

Is Maine Solutions Federal Credit Union NCUA insured?

Yes. Maine Solutions Federal Credit Union is a federally insured credit union (NCUA charter #17436). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Maine Solutions Federal Credit Union's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Maine Solutions Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near South Portland

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Coast Line Credit UnionCredit union South Portland, ME94 out of 100, Very strong$89.2M19.1%0.22%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs