Headquartered in Jay, Maine, Otis Federal Credit Union is a federal credit union with $300.3M in total assets and $250.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.
Otis Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 78% of its 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 12th. Capital cushion contributes the most (100/100, 16.12%); loan quality contributes the least (48/100, 1.56%).
TellerScore · Q2 2026
Scorecard
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 9 points (89 → 80), mostly because the loan quality component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 89 |
| Q4 2024 | 90 |
| Q1 2025 | 91 |
| Q2 2025 | 89 |
| Q3 2025 | 86 |
| Q4 2025 | 84 |
| Q1 2026 | 83 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.75% |
| Q3 2024 | 15.99% |
| Q4 2024 | 16.03% |
| Q1 2025 | 15.82% |
| Q2 2025 | 15.87% |
| Q3 2025 | 16.01% |
| Q4 2025 | 16.14% |
| Q1 2026 | 16.01% |
| Q2 2026 | 16.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.84% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.56% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.50% |
| Q1 2025 | 1.65% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.48% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $300.3M | 16.12% | 1.56% | 1.26% | 54.8% |
| Q1 2026 | 83 | $296.3M | 16.01% | 1.25% | 1.24% | 54.2% |
| Q4 2025 | 84 | $288.4M | 16.14% | 1.38% | 1.48% | 56.0% |
| Q3 2025 | 86 | $283.2M | 16.01% | 1.05% | 1.45% | 55.8% |
| Q2 2025 | 89 | $279.7M | 15.87% | 0.84% | 1.51% | 53.6% |
| Q1 2025 | 91 | $274.3M | 15.82% | 0.70% | 1.65% | 51.2% |
| Q4 2024 | 90 | $263.6M | 16.03% | 0.69% | 1.50% | 51.4% |
| Q3 2024 | 89 | $257.4M | 15.99% | 0.76% | 1.47% | 50.3% |
| Q2 2024 | 89 | $254.7M | 15.75% | 0.79% | 1.42% | 48.2% |
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).
Similar-size credit unions in Maine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bangor Federal Credit UnionCredit union Bangor, ME | 67 out of 100, Moderate | $293.2M | 8.7% | 0.57% | vs |
| Maine Family Federal Credit UnionCredit union Lewiston, ME | 68 out of 100, Moderate | $288.2M | 8.8% | 0.27% | vs |
| Norstate Federal Credit UnionCredit union Madawaska, ME | 58 out of 100, Moderate | $280.0M | 11.6% | 1.74% | vs |
| Downeast Credit UnionCredit union Baileyville, ME | 54 out of 100, Below average | $330.4M | 8.8% | 0.95% | vs |
| Midcoast Federal Credit UnionCredit union Freeport, ME | 66 out of 100, Moderate | $267.1M | 11.1% | 0.41% | vs |
| Truchoice Federal Credit UnionCredit union Portland, ME | 60 out of 100, Moderate | $257.4M | 11.1% | 1.72% | vs |
Deposit insurance
Is my money safe at Otis Federal Credit Union?
Yes. Otis Federal Credit Union is a federally insured credit union (NCUA charter #9349). 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 8.0% of shares and deposits ($19.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 16.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Otis Federal Credit Union lists 1 office in 1 city. Most locations:
- Jay, ME (1)
Identity & history
Profile
- Legal name
- Otis Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9349
- RSSD ID
- 288787
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- PO Box 27, Jay, ME 04239
- Employees
- 32
Quick answers
Otis Federal Credit Union: common questions
Is Otis Federal Credit Union NCUA insured?
Yes. Otis Federal Credit Union is a federally insured credit union (NCUA charter #9349). 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 Otis Federal Credit Union's TellerScore?
80 out of 100 (Strong), 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 Otis Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Jay
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oxford Federal Credit UnionCredit union Mexico, ME | 91 out of 100, Very strong | $370.2M | 16.2% | 0.48% | vs |
| Skowhegan Savings BankBank Skowhegan, ME | 88 out of 100, Very strong | $855.0M | 15.8% | 0.42% | vs |
| K V Federal Credit UnionCredit union Augusta, ME | 84 out of 100, Strong | $139.6M | 12.4% | 0.13% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |
| Norway Savings BankBank Norway, ME | 81 out of 100, Strong | $2.2B | 14.1% | 0.29% | vs |
| Kennebec Savings BankBank Augusta, ME | 79 out of 100, Strong | $1.9B | 14.0% | 0.46% | vs |