Acadia Federal Credit Union
Fort Kent, Maine · $408M in assets · beside the 11 other Maine credit unions between $300M and $1B
The filing
Acadia Federal Credit Union carries the most commercial lending of the twelve Maine credit unions between $300M and $1B: member business loans are 20.8% of the book against a median of 3.7%. Loans grew 9.7% in the year to March 2026, the fastest in the group, and stand at 93% of shares, eleventh.
Delinquency is 1.62%, the highest in the cohort against a median of 0.75%, and the allowance covers delinquent loans 0.4 times where the median is 1.0. Net charge-offs ran 1.12% of loans. Return on assets is 0.40%, ninth.
Net worth is 11.05% of assets, second of twelve, which is what carries the rest. A commercial book five times the cohort's share, growing fastest, with the thinnest coverage, is the case NCUA's MBL cap and its stress expectations were written for.
SBA 7(a), FY2008 to FY2026
Acadia Federal Credit Union is the 49th largest 7(a) lender into Maine of 130, with $3M across 26 loans, 0.3% of everything approved in the state (Bangor Savings Bank leads with $138M). 3 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| Aroostook, ME | $3M | 7th of 23 | 5.0% | quiet FY2022 |
| Penobscot, ME | $245K | 41st of 50 | 0.2% | quiet FY2022 |
| Hancock, ME | $15K | 26th of 26 | 0.0% | quiet FY2020 |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Retail trade | 7 | $1M | 38.3% | 0.00% | 1431st of 2,589 |
| Transportation & warehousing | 5 | $504K | 15.6% | 0.00% | 975th of 1,563 |
| Administrative & waste services | 3 | $372K | 11.5% | 0.00% | 1163rd of 1,763 |
| Accommodation & food services | 2 | $312K | 9.6% | 0.00% | 2103rd of 2,596 |
| Manufacturing | 2 | $304K | 9.4% | 0.00% | 1858th of 2,246 |
Among its peers
| Institution | Assets | ROA | Efficiency | Delinquency / loans | Net charge-offs | Allowance / loans | Loans / shares | Net worth ratio |
|---|---|---|---|---|---|---|---|---|
 Evergreen | $641M | 0.8% | 81.7% | 0.90% | 0.26% | 0.7% | 80.0% | 7.9% |
 Town & Country | $628M | 0.3% | 88.8% | 0.18% | 0.18% | 0.5% | 91.4% | 8.3% |
 University | $530M | 0.5% | 86.2% | 0.28% | 0.16% | 0.5% | 98.0% | 9.4% |
 The County | $520M | 0.5% | 85.1% | 0.49% | 0.20% | 0.4% | 79.5% | 10.8% |
 Dirigo | $495M | 0.4% | 83.5% | 0.70% | 0.20% | 0.8% | 84.7% | 10.1% |
 Cumberland County | $488M | 1.1% | 67.0% | 0.88% | 0.21% | 0.8% | 61.6% | 10.0% |
 Cport | $439M | 0.3% | 94.3% | 0.90% | 0.20% | 0.6% | 75.8% | 10.4% |
 Acadia Federal Credit Union | $408M | 0.4% | 86.8% | 1.62% | 1.12% | 0.6% | 93.2% | 11.1% |
 Ancorum | $406M | 1.4% | 80.2% | 0.52% | 0.37% | 0.7% | 78.8% | 9.6% |
 Oxford | $370M | 1.8% | 66.2% | 0.36% | 0.20% | 0.7% | 72.0% | 15.8% |
 Peopleschoice | $367M | 0.8% | 75.9% | 1.12% | 0.53% | 0.6% | 82.1% | 8.6% |
 Downeast | $328M | 0.5% | 88.6% | 0.80% | 0.27% | 1.0% | 92.7% | 8.8% |
This read was prepared for Acadia Federal Credit Union's board and management from the public record, and is one slice of what Lynx builds for any credit union from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Acadia Federal Credit Union is prepared on request, and thirty days on the institution's own numbers are open to anyone at the credit union.
Ask for the packPrepared 6 September 2026
Filing 31 March 2026
Cohort ME credit unions $300M to $1B
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