TellerScore

University Credit Union is a federally insured state-chartered credit union headquartered in Orono, Maine, in business for about 59 years. At the end of Q2 2026 it reported $538.5M in total assets and $409.3M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, University Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 32nd. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is earnings (42/100; 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.37%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity60/100
Loans ÷ shares: 100.1% · 3.6% 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 2 points (62 → 60), mostly because the loan quality component weakened by 10 points.

TellerScore
586163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202459
Q4 202458
Q1 202561
Q2 202562
Q3 202560
Q4 202560
Q1 202663
Q2 202660
Net worth ratio
7.00%8.24%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.32%
Q3 20249.48%
Q4 20249.14%
Q1 20259.10%
Q2 20259.33%
Q3 20259.35%
Q4 20259.30%
Q1 20269.37%
Q2 20269.37%
Delinquent loans (60+ days)
0.16%0.38%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.34%
Q4 20240.34%
Q1 20250.16%
Q2 20250.30%
Q3 20250.49%
Q4 20250.39%
Q1 20260.28%
Q2 20260.61%
Return on assets
0.20%0.37%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.28%
Q3 20240.22%
Q4 20240.20%
Q1 20250.29%
Q2 20250.50%
Q3 20250.50%
Q4 20250.48%
Q1 20260.50%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$538.5M9.37%0.61%0.54%100.1%
Q1 202663$529.6M9.37%0.28%0.50%98.0%
Q4 202560$526.6M9.30%0.39%0.48%101.8%
Q3 202560$517.6M9.35%0.49%0.50%101.9%
Q2 202562$511.4M9.33%0.30%0.50%99.7%
Q1 202561$514.9M9.10%0.16%0.29%99.1%
Q4 202458$508.2M9.14%0.34%0.20%103.3%
Q3 202459$498.0M9.48%0.34%0.22%105.0%
Q2 202460$474.5M9.32%0.20%0.28%105.7%

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 ratio9.37%
18th
Problem loans0.61%
55th
Net charge-offs0.17%
74th
Return on assets0.54%
34th
Loans to deposits100.1%
3rd
Uninsured deposits3.6%
76th
Loan-loss reserves0.00%
50th
Texas ratio5.0%
39th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
The County Federal Credit UnionCredit union Presque Isle, ME66 out of 100, Moderate$529.8M10.7%0.58%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 University Credit Union?

Yes. University Credit Union is a federally insured credit union (NCUA charter #63133). 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 3.6% of shares and deposits ($14.6M) 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 9.37%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

University Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
University Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63133
RSSD ID
306597
Primary regulator
State + NCUA
Established
1967
Headquarters
15 Main St, Orono, ME 04473
Employees
108

Quick answers

University Credit Union: common questions

Is University Credit Union NCUA insured?

Yes. University Credit Union is a federally insured credit union (NCUA charter #63133). 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 University Credit Union's TellerScore?

60 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 University Credit Union have?

2 offices as of the latest NCUA data.