Headquartered in Mexico, Maine, Oxford Federal Credit Union is a federal credit union with $370.2M in total assets and $307.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1938.
Oxford Federal Credit Union has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 3rd. Capital cushion contributes the most (100/100, 16.16%); earnings contributes the least (84/100, 1.61%).
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 rose 4 points (87 → 91), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 89 |
| Q4 2024 | 89 |
| Q1 2025 | 89 |
| Q2 2025 | 87 |
| Q3 2025 | 86 |
| Q4 2025 | 90 |
| Q1 2026 | 93 |
| Q2 2026 | 91 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.36% |
| Q3 2024 | 15.50% |
| Q4 2024 | 15.64% |
| Q1 2025 | 15.18% |
| Q2 2025 | 15.42% |
| Q3 2025 | 15.64% |
| Q4 2025 | 15.77% |
| Q1 2026 | 15.80% |
| Q2 2026 | 16.16% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.48% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.66% |
| Q3 2024 | 1.69% |
| Q4 2024 | 1.74% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.79% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $370.2M | 16.16% | 0.48% | 1.61% | 71.6% |
| Q1 2026 | 93 | $370.2M | 15.80% | 0.36% | 1.79% | 72.0% |
| Q4 2025 | 90 | $360.4M | 15.77% | 0.32% | 1.41% | 75.2% |
| Q3 2025 | 86 | $357.1M | 15.64% | 0.80% | 1.46% | 73.6% |
| Q2 2025 | 87 | $353.2M | 15.42% | 0.67% | 1.43% | 73.5% |
| Q1 2025 | 89 | $350.5M | 15.18% | 0.48% | 1.45% | 73.7% |
| Q4 2024 | 89 | $331.9M | 15.64% | 0.73% | 1.74% | 78.9% |
| Q3 2024 | 89 | $325.4M | 15.50% | 0.57% | 1.69% | 80.0% |
| Q2 2024 | 88 | $318.9M | 15.36% | 0.65% | 1.66% | 80.4% |
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 |
|---|---|---|---|---|---|
| Peopleschoice Credit UnionCredit union Biddeford, ME | 58 out of 100, Moderate | $366.9M | 8.8% | 1.01% | vs |
| Ancorum Credit UnionCredit union Bath, ME | 53 out of 100, Below average | $401.8M | 9.5% | 1.60% | vs |
| Downeast Credit UnionCredit union Baileyville, ME | 54 out of 100, Below average | $330.4M | 8.8% | 0.95% | vs |
| Acadia Federal Credit UnionCredit union Fort Kent, ME | 60 out of 100, Moderate | $412.8M | 11.1% | 1.12% | vs |
| Cport Credit UnionCredit union Portland, ME | 63 out of 100, Moderate | $434.9M | 10.7% | 0.82% | vs |
| Otis Federal Credit UnionCredit union Jay, ME | 80 out of 100, Strong | $300.3M | 16.1% | 1.56% | vs |
Deposit insurance
Is my money safe at Oxford Federal Credit Union?
Yes. Oxford Federal Credit Union is a federally insured credit union (NCUA charter #2645). 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 6.4% of shares and deposits ($19.8M) 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 16.16%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Oxford Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Mexico, ME (1)
- Norway, ME (1)
Identity & history
Profile
- Legal name
- Oxford Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 2645
- RSSD ID
- 897077
- Primary regulator
- NCUA
- Established
- 1938
- Headquarters
- 225 River Rd, Mexico, ME 04257
- Employees
- 47
Quick answers
Oxford Federal Credit Union: common questions
Is Oxford Federal Credit Union NCUA insured?
Yes. Oxford Federal Credit Union is a federally insured credit union (NCUA charter #2645). 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 Oxford Federal Credit Union's TellerScore?
91 out of 100 (Very 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 Oxford Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Skowhegan Savings BankBank Skowhegan, ME | 88 out of 100, Very strong | $855.0M | 15.8% | 0.42% | vs |
| Norway Savings BankBank Norway, ME | 81 out of 100, Strong | $2.2B | 14.1% | 0.29% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |
| Otis Federal Credit UnionCredit union Jay, ME | 80 out of 100, Strong | $300.3M | 16.1% | 1.56% | vs |
| Northeast BankBank Portland, ME | 78 out of 100, Strong | $5.2B | 11.9% | 0.55% | vs |
| Franklin Savings BankBank Farmington, ME | 72 out of 100, Strong | $786.9M | 18.8% | 1.36% | vs |