TellerScore

New Dimensions Federal Credit Union is a federal credit union headquartered in Waterville, Maine, in business for about 70 years. At the end of Q2 2026 it reported $244.1M in total assets and $209.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, New Dimensions Federal Credit Union scores 46/100, which we describe as below average. That is higher than only 3% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 48th. Its strongest component is problem-loan coverage (69/100; 15.7%), and its lowest is capital cushion (29/100; 7.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion29/100
Net worth ratio: 7.93%
Loan quality49/100
Loans 60+ days delinquent ÷ total loans: 1.54%
Earnings41/100
Return on assets (annualized): 0.54%
Funding & liquidity66/100
Loans ÷ shares: 94.4% · 2.0% uninsured
Problem-loan coverage69/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.70%

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 rose 2 points (44 → 46), mostly because the earnings component improved by 8 points.

TellerScore
384449Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202440
Q3 202438
Q4 202438
Q1 202541
Q2 202544
Q3 202549
Q4 202546
Q1 202648
Q2 202646
Net worth ratio
7.00%7.69%8.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.24%
Q3 20248.27%
Q4 20248.38%
Q1 20258.28%
Q2 20258.13%
Q3 20257.96%
Q4 20257.87%
Q1 20267.83%
Q2 20267.93%
Delinquent loans (60+ days)
1.16%1.66%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.86%
Q3 20242.07%
Q4 20242.16%
Q1 20251.86%
Q2 20251.65%
Q3 20251.23%
Q4 20251.50%
Q1 20261.16%
Q2 20261.54%
Return on assets
0.01%0.28%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 20240.04%
Q4 20240.13%
Q1 20250.14%
Q2 20250.31%
Q3 20250.49%
Q4 20250.54%
Q1 20260.33%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$244.1M7.93%1.54%0.54%94.4%
Q1 202648$241.4M7.83%1.16%0.33%93.5%
Q4 202546$237.5M7.87%1.50%0.54%96.9%
Q3 202549$229.1M7.96%1.23%0.49%96.5%
Q2 202544$220.0M8.13%1.65%0.31%92.2%
Q1 202541$212.6M8.28%1.86%0.14%92.1%
Q4 202438$209.2M8.38%2.16%0.13%93.4%
Q3 202438$209.7M8.27%2.07%0.04%91.3%
Q2 202440$211.2M8.24%1.86%0.01%90.1%

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 ratio7.93%
3rd
Problem loans1.54%
13th
Net charge-offs0.48%
37th
Return on assets0.54%
33rd
Loans to deposits94.4%
9th
Uninsured deposits2.0%
90th
Loan-loss reserves0.00%
50th
Texas ratio15.7%
4th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Seaboard Federal Credit UnionCredit union Bucksport, ME57 out of 100, Moderate$246.4M8.9%1.42%vs
Truchoice Federal Credit UnionCredit union Portland, ME60 out of 100, Moderate$257.4M11.1%1.72%vs
Maine Highlands Federal Credit UnionCredit union Dexter, ME56 out of 100, Moderate$230.1M10.9%2.32%vs
Midcoast Federal Credit UnionCredit union Freeport, ME66 out of 100, Moderate$267.1M11.1%0.41%vs
Lisbon Community Federal Credit UnionCredit union Lisbon, ME78 out of 100, Strong$209.7M11.5%0.23%vs
Norstate Federal Credit UnionCredit union Madawaska, ME58 out of 100, Moderate$280.0M11.6%1.74%vs

Deposit insurance

Is my money safe at New Dimensions Federal Credit Union?

Yes. New Dimensions Federal Credit Union is a federally insured credit union (NCUA charter #11253). 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 2.0% of shares and deposits ($4.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.93%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

New Dimensions Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
New Dimensions Federal Credit Union
Type
Federal credit union
NCUA charter #
11253
RSSD ID
652883
Primary regulator
NCUA
Established
1956
Headquarters
94 Silver St, Waterville, ME 04901
Employees
61

Quick answers

New Dimensions Federal Credit Union: common questions

Is New Dimensions Federal Credit Union NCUA insured?

Yes. New Dimensions Federal Credit Union is a federally insured credit union (NCUA charter #11253). 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 New Dimensions Federal Credit Union's TellerScore?

46 out of 100 (Below average), 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 New Dimensions Federal Credit Union have?

1 office as of the latest NCUA data.