MAINE HIGHLANDS Credit Union Profile

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MAINE HIGHLANDS

Charter #17398 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (207) 924-5544

Fax: (207) 924-7527

Founding Date: N/A

Website: http://www.mhfcu.com

Personnel & Operations

President: Clukey, Nicholas

Manager: Wooten, Maria

FT Employees: 55

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 6

Hours: Mon - 7:30 - 5:00 Tues & Wed. 8:00 - 4:00 T

Credit Union Profile Summary

MAINE HIGHLANDS is a FCU Credit Union. With a total of 14,178 members ^[1], this institution manages approximately $219,426,186 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.57% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.15% ^[1].

Financial Snapshot

Total Assets ^[1]

$219,426,186

Total economic resources.

Total Loans ^[1]

$136,616,645

Total value of outstanding loans.

Total Deposits ^[1]

$194,703,627

Total funds deposited by members.

Members ^[1]

14,178

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.57%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.22%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

70.17%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 17.93%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 8.15%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 0.97%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

73 Main St

Dexter, ME, 04930

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 6 branches reported by MAINE HIGHLANDS (Charter #17398).

Main Office

Main Office - Dexter Main Office

Type: Corporate Office

Type: Branch Office

23 Hudson Ave

Guilford, ME 04443

Phone: (207) 876-4041

Services: Member Services, ATM, Drive-Thru

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