TellerScore

Milestones Federal Credit Union (NCUA charter #5144) is based in Lewiston, Maine. Its Q2 2026 call report shows $35.1M in total assets and $31.2M in member shares and deposits.

Based on its Q2 2026 filing, Milestones Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 48 credit unions headquartered in Maine, it ranks 30th. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is earnings (22/100; 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.93%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.76%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity83/100
Loans ÷ shares: 77.1% · 8.2% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.03%

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 10 points (72 → 62), mostly because the earnings component weakened by 29 points.

TellerScore
627078Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202478
Q4 202478
Q1 202573
Q2 202572
Q3 202568
Q4 202569
Q1 202664
Q2 202662
Net worth ratio
7.00%9.46%11.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.57%
Q3 202411.71%
Q4 202411.92%
Q1 202511.01%
Q2 202510.88%
Q3 202510.75%
Q4 202510.83%
Q1 202611.06%
Q2 202610.93%
Delinquent loans (60+ days)
0.09%0.44%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.12%
Q4 20240.09%
Q1 20250.38%
Q2 20250.43%
Q3 20250.68%
Q4 20250.47%
Q1 20260.80%
Q2 20260.76%
Return on assets
0.05%0.51%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.97%
Q4 20240.85%
Q1 20250.78%
Q2 20250.78%
Q3 20250.64%
Q4 20250.50%
Q1 20260.19%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$35.1M10.93%0.76%0.05%77.1%
Q1 202664$34.7M11.06%0.80%0.19%75.5%
Q4 202569$35.3M10.83%0.47%0.50%74.1%
Q3 202568$35.9M10.75%0.68%0.64%70.7%
Q2 202572$35.1M10.88%0.43%0.78%72.1%
Q1 202573$34.1M11.01%0.38%0.78%72.5%
Q4 202478$30.9M11.92%0.09%0.85%80.3%
Q3 202478$31.1M11.71%0.12%0.97%77.6%
Q2 202475$30.7M11.57%0.35%0.89%76.2%

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 ratio10.93%
23rd
Problem loans0.76%
48th
Net charge-offs0.50%
27th
Return on assets0.05%
21st
Loans to deposits77.1%
23rd
Uninsured deposits8.2%
10th
Loan-loss reserves0.00%
37th
Texas ratio5.0%
29th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Maine Solutions Federal Credit UnionCredit union South Portland, ME61 out of 100, Moderate$20.9M10.0%0.88%vs
Maine Media Federal Credit UnionCredit union Portland, ME67 out of 100, Moderate$7.0M15.5%2.04%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 Milestones Federal Credit Union?

Yes. Milestones Federal Credit Union is a federally insured credit union (NCUA charter #5144). 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 8.2% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.93%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Milestones Federal Credit Union
Type
Federal credit union
NCUA charter #
5144
RSSD ID
775474
Primary regulator
NCUA
Established
1944
Headquarters
291 Pine St, Lewiston, ME 04240
Employees
8

Quick answers

Milestones Federal Credit Union: common questions

Is Milestones Federal Credit Union NCUA insured?

Yes. Milestones Federal Credit Union is a federally insured credit union (NCUA charter #5144). 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 Milestones Federal Credit Union's TellerScore?

62 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.