TellerScore

The County Federal Credit Union is a federal credit union headquartered in Presque Isle, Maine, in business for about 70 years. At the end of Q2 2026 it reported $529.8M in total assets and $469.3M in member shares and deposits, with 3 offices.

The County Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 26th. Problem-loan coverage contributes the most (91/100, 4.7%); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.73%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity76/100
Loans ÷ shares: 83.8% · 9.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.67%

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 4 points.

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202470
Q1 202568
Q2 202568
Q3 202567
Q4 202568
Q1 202668
Q2 202666
Net worth ratio
7.00%9.07%11.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.90%
Q3 202411.01%
Q4 202411.10%
Q1 202510.87%
Q2 202511.00%
Q3 202511.15%
Q4 202511.09%
Q1 202610.81%
Q2 202610.73%
Delinquent loans (60+ days)
0.28%0.46%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.36%
Q4 20240.38%
Q1 20250.28%
Q2 20250.46%
Q3 20250.65%
Q4 20250.60%
Q1 20260.49%
Q2 20260.58%
Return on assets
0.35%0.53%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.69%
Q4 20240.64%
Q1 20250.35%
Q2 20250.50%
Q3 20250.61%
Q4 20250.62%
Q1 20260.47%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$529.8M10.73%0.58%0.50%83.8%
Q1 202668$520.3M10.81%0.49%0.47%79.5%
Q4 202568$501.8M11.09%0.60%0.62%83.6%
Q3 202567$491.7M11.15%0.65%0.61%86.2%
Q2 202568$488.7M11.00%0.46%0.50%85.1%
Q1 202568$488.2M10.87%0.28%0.35%83.0%
Q4 202470$474.3M11.10%0.38%0.64%86.7%
Q3 202470$471.5M11.01%0.36%0.69%87.4%
Q2 202469$468.8M10.90%0.46%0.71%86.8%

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 ratio10.73%
40th
Problem loans0.58%
57th
Net charge-offs0.14%
78th
Return on assets0.50%
30th
Loans to deposits83.8%
31st
Uninsured deposits9.0%
22nd
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
University Credit UnionCredit union Orono, ME60 out of 100, Moderate$538.5M9.4%0.61%vs
Dirigo Federal Credit UnionCredit union Lewiston, ME59 out of 100, Moderate$498.2M10.1%0.93%vs
Cumberland County Federal Credit UnionCredit union Falmouth, ME68 out of 100, Moderate$494.0M10.1%0.90%vs
Town & Country Federal Credit UnionCredit union South Portland, ME59 out of 100, Moderate$621.2M8.5%0.35%vs
Cport Credit UnionCredit union Portland, ME63 out of 100, Moderate$434.9M10.7%0.82%vs
Evergreen Credit UnionCredit union Portland, ME55 out of 100, Moderate$644.5M8.0%1.05%vs

Deposit insurance

Is my money safe at The County Federal Credit Union?

Yes. The County Federal Credit Union is a federally insured credit union (NCUA charter #10794). 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 9.0% of shares and deposits ($42.3M) 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 10.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

The County Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The County Federal Credit Union reported 361 home-loan applications under HMDA (LEI 254900199XCNE3LN5660): 185 originated ($19,975,000 total), 117 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The County Federal Credit Union
Type
Federal credit union
NCUA charter #
10794
RSSD ID
805586
Primary regulator
NCUA
Established
1956
Headquarters
110 Carmichael St, Presque Isle, ME 04769
Employees
115

Quick answers

The County Federal Credit Union: common questions

Is The County Federal Credit Union NCUA insured?

Yes. The County Federal Credit Union is a federally insured credit union (NCUA charter #10794). 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 The County 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 The County Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Presque Isle

InstitutionScoreAssetsCapitalProblem loansCompare
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
Aroostook County Federal Savings and Loan AssociationBank Caribou, ME68 out of 100, Moderate$214.0M10.4%0.39%vs
Katahdin Trust CompanyBank Patten, ME66 out of 100, Moderate$1.2B10.0%0.48%vs
TD Bank, National AssociationBank Wilmington, DE63 out of 100, Moderate$342.8B10.3%1.11%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs
Norstate Federal Credit UnionCredit union Madawaska, ME58 out of 100, Moderate$280.0M11.6%1.74%vs