Maine Savings Federal Credit Union
Hampden, Maine · $852M in assets · beside the 11 other Maine credit unions between $300M and $1B
The filing
Maine Savings Federal Credit Union holds the least net worth of the twelve Maine credit unions between $300M and $1B, 7.76% of assets against a median of 9.94%. Shares grew 6.8% in the year to March 2026, fourth, and loans 2.1%, eighth.
Delinquency is 0.99%, eleventh of twelve against a median of 0.76%, with the allowance covering delinquent loans 0.5 times where the median is 0.9. Member business loans are 8.6% of the book, the median. Loans stand at 86% of shares.
Return on assets is 0.49%, sixth, on an efficiency ratio of 82.4%, fifth. Seventy-six basis points above the well-capitalised line, with delinquency above the cohort and coverage below it, is a net worth question before anything else.
Among its peers
| Institution | Assets | ROA | Efficiency | Delinquency / loans | Net charge-offs | Allowance / loans | Loans / shares | Net worth ratio |
|---|---|---|---|---|---|---|---|---|
 Maine Savings Federal Credit Union | $852M | 0.5% | 82.4% | 0.99% | 0.40% | 0.5% | 86.4% | 7.8% |
 Maine State | $788M | 0.2% | 84.5% | 0.82% | 0.45% | 0.5% | 84.6% | 9.9% |
 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 | $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% |
This read was prepared for Maine Savings 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 Maine Savings 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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