TellerScore

Midcoast Federal Credit Union (NCUA charter #10898) is based in Freeport, Maine. Its Q2 2026 call report shows $267.1M in total assets and $235.7M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Midcoast Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 27th. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is earnings (32/100; 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.11%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity69/100
Loans ÷ shares: 91.2% · 5.5% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.98%

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 2 points (68 → 66), mostly because the loan quality component weakened by 5 points.

TellerScore
666869Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202467
Q1 202567
Q2 202568
Q3 202569
Q4 202568
Q1 202667
Q2 202666
Net worth ratio
7.00%9.05%11.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.88%
Q3 202410.72%
Q4 202410.91%
Q1 202510.78%
Q2 202510.85%
Q3 202511.02%
Q4 202510.97%
Q1 202611.03%
Q2 202611.11%
Delinquent loans (60+ days)
0.20%0.30%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.27%
Q4 20240.24%
Q1 20250.27%
Q2 20250.27%
Q3 20250.23%
Q4 20250.34%
Q1 20260.20%
Q2 20260.41%
Return on assets
0.20%0.36%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.24%
Q4 20240.31%
Q1 20250.31%
Q2 20250.44%
Q3 20250.52%
Q4 20250.51%
Q1 20260.24%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$267.1M11.11%0.41%0.31%91.2%
Q1 202667$266.9M11.03%0.20%0.24%91.6%
Q4 202568$266.8M10.97%0.34%0.51%92.9%
Q3 202569$264.6M11.02%0.23%0.52%93.7%
Q2 202568$264.6M10.85%0.27%0.44%92.2%
Q1 202567$262.7M10.78%0.27%0.31%90.5%
Q4 202467$257.9M10.91%0.24%0.31%91.8%
Q3 202466$261.2M10.72%0.27%0.24%91.3%
Q2 202466$255.5M10.88%0.28%0.20%92.8%

1,341 peers · $100 million – $1 billion

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 ratio11.11%
46th
Problem loans0.41%
74th
Net charge-offs0.30%
57th
Return on assets0.31%
18th
Loans to deposits91.2%
14th
Uninsured deposits5.5%
54th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
61st

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Truchoice Federal Credit UnionCredit union Portland, ME60 out of 100, Moderate$257.4M11.1%1.72%vs
Norstate Federal Credit UnionCredit union Madawaska, ME58 out of 100, Moderate$280.0M11.6%1.74%vs
Seaboard Federal Credit UnionCredit union Bucksport, ME57 out of 100, Moderate$246.4M8.9%1.42%vs
Maine Family Federal Credit UnionCredit union Lewiston, ME68 out of 100, Moderate$288.2M8.8%0.27%vs
New Dimensions Federal Credit UnionCredit union Waterville, ME46 out of 100, Below average$244.1M7.9%1.54%vs
Bangor Federal Credit UnionCredit union Bangor, ME67 out of 100, Moderate$293.2M8.7%0.57%vs

Deposit insurance

Is my money safe at Midcoast Federal Credit Union?

Yes. Midcoast Federal Credit Union is a federally insured credit union (NCUA charter #10898). 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 5.5% of shares and deposits ($12.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Midcoast Federal Credit Union lists 5 offices in 5 cities. Most locations:

  • Bath, ME (1)
  • Brunswick, ME (1)
  • Edgecomb, ME (1)
  • Freeport, ME (1)
  • Thomaston, ME (1)

All branch addresses and map

Identity & history

Profile

Legal name
Midcoast Federal Credit Union
Type
Federal credit union
NCUA charter #
10898
RSSD ID
870089
Primary regulator
NCUA
Established
1956
Headquarters
186 Lower Main Street, Freeport, ME 04032
Employees
77

Quick answers

Midcoast Federal Credit Union: common questions

Is Midcoast Federal Credit Union NCUA insured?

Yes. Midcoast Federal Credit Union is a federally insured credit union (NCUA charter #10898). 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 Midcoast Federal Credit Union's TellerScore?

66 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 Midcoast Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Freeport

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
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%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