MAINE STATE Credit Union Profile

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MAINE STATE

Charter #63377 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (207) 623-1851

Fax:

Founding Date: N/A

Website: http://www.mainestatecu.org

Personnel & Operations

President: Poirier, Eric

Manager: Wallace, Stephen

FT Employees: 135

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: Drive Up: 7:30am - 5:00pm Monday - Friday L

Credit Union Profile Summary

MAINE STATE is a FISCU Credit Union. With a total of 36,985 members [1], this institution manages approximately $752,215,409 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.22% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 11.44% [1].

Financial Snapshot

Total Assets [1]
$752,215,409

Total economic resources.

Total Loans [1]
$524,205,346

Total value of outstanding loans.

Total Deposits [1]
$667,840,371

Total funds deposited by members.

Members [1]
36,985

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.22%

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]
0.37%

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

Loan-to-Share Ratio [1]
78.49%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.53%

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

Loan Growth (4Q) [1]
↑ 11.44%

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

Member Growth (4Q) [1]
↑ 0.29%

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

Headquarters Location & Map

Headquarters Address

200 Capitol St

Augusta, ME, 04330-6238
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by MAINE STATE (Charter #63377).

Main Office

Capitol Street Main Office

Type: Corporate Office

200 Capitol St

Augusta, ME 04330-6238

Phone: (207) 623-1851

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Augusta

East Side

Type: Branch Office

162 Hospital St

Augusta, ME 04330-0717

Phone: (207) 623-1851

Services: Member Services, ATM, Drive-Thru

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Gray

Portland Rd

Type: Branch Office

25 Portland Rd

Gray, ME 04039

Phone: (800) 540-8707

Services: Member Services, ATM, Drive-Thru

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Waterville

Grove Street

Type: Branch Office

81 Grove St

Waterville, ME 04901-5826

Phone: (207) 623-1851

Services: Member Services, ATM, Drive-Thru

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