Winthrop Area Federal Credit Union (NCUA charter #2301) is based in Winthrop, Maine. Its Q2 2026 call report shows $106.7M in total assets and $94.2M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Winthrop Area Federal Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 15th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is earnings (51/100; 0.78%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 79 |
| Q1 2025 | 76 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 80 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.93% |
| Q3 2024 | 11.28% |
| Q4 2024 | 11.43% |
| Q1 2025 | 11.18% |
| Q2 2025 | 11.07% |
| Q3 2025 | 11.23% |
| Q4 2025 | 11.40% |
| Q1 2026 | 11.40% |
| Q2 2026 | 11.43% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.98% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $106.7M | 11.43% | 0.10% | 0.78% | 63.5% |
| Q1 2026 | 78 | $105.1M | 11.40% | 0.10% | 0.77% | 62.8% |
| Q4 2025 | 80 | $103.3M | 11.40% | 0.11% | 0.98% | 62.1% |
| Q3 2025 | 77 | $103.0M | 11.23% | 0.37% | 1.04% | 61.6% |
| Q2 2025 | 78 | $101.7M | 11.07% | 0.21% | 0.98% | 61.8% |
| Q1 2025 | 76 | $98.0M | 11.18% | 0.24% | 0.77% | 63.6% |
| Q4 2024 | 79 | $94.2M | 11.43% | 0.20% | 1.05% | 65.6% |
| Q3 2024 | 77 | $93.3M | 11.28% | 0.34% | 1.06% | 66.2% |
| Q2 2024 | 77 | $93.7M | 10.93% | 0.24% | 0.99% | 65.1% |
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).
Similar-size credit unions in Maine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Katahdin Federal Credit UnionCredit union Millinocket, ME | 81 out of 100, Strong | $110.9M | 16.8% | 1.02% | vs |
| Gardiner Federal Credit UnionCredit union Gardiner, ME | 96 out of 100, Very strong | $100.7M | 15.9% | 0.12% | vs |
| Brewer Federal Credit UnionCredit union Brewer, ME | 73 out of 100, Strong | $117.8M | 10.3% | 0.08% | vs |
| Community Credit UnionCredit union Lewiston, ME | 51 out of 100, Below average | $120.2M | 10.5% | 1.86% | vs |
| Casco Federal Credit UnionCredit union Gorham, ME | 63 out of 100, Moderate | $121.3M | 9.7% | 1.09% | vs |
| Ksw Federal Credit UnionCredit union Waterville, ME | 85 out of 100, Very strong | $122.2M | 14.6% | 1.02% | vs |
Deposit insurance
Is my money safe at Winthrop Area Federal Credit Union?
Yes. Winthrop Area Federal Credit Union is a federally insured credit union (NCUA charter #2301). 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 7.2% of shares and deposits ($6.8M) 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 11.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Winthrop Area Federal Credit Union lists 1 office in 1 city. Most locations:
- Winthrop, ME (1)
Identity & history
Profile
- Legal name
- Winthrop Area Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 2301
- RSSD ID
- 114279
- Primary regulator
- NCUA
- Established
- 1937
- Headquarters
- Po Box 55, Winthrop, ME 04364
- Employees
- 17
Quick answers
Winthrop Area Federal Credit Union: common questions
Is Winthrop Area Federal Credit Union NCUA insured?
Yes. Winthrop Area Federal Credit Union is a federally insured credit union (NCUA charter #2301). 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 Winthrop Area Federal Credit Union's TellerScore?
78 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 Winthrop Area Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Winthrop
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gardiner Federal Credit UnionCredit union Gardiner, ME | 96 out of 100, Very strong | $100.7M | 15.9% | 0.12% | vs |
| Skowhegan Savings BankBank Skowhegan, ME | 88 out of 100, Very strong | $855.0M | 15.8% | 0.42% | vs |
| Capital Area Federal Credit UnionCredit union Augusta, ME | 86 out of 100, Very strong | $71.4M | 17.6% | 0.59% | vs |
| Ksw Federal Credit UnionCredit union Waterville, ME | 85 out of 100, Very strong | $122.2M | 14.6% | 1.02% | vs |
| K V Federal Credit UnionCredit union Augusta, ME | 84 out of 100, Strong | $139.6M | 12.4% | 0.13% | vs |
| Central Maine Federal Credit UnionCredit union Lewiston, ME | 81 out of 100, Strong | $145.5M | 14.7% | 0.66% | vs |