RANKING ·
Lowest efficiency ratio in Maine
40 of 48 credit unions in Maine that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Lincoln Maine Federal Credit Union | Lincoln, ME | 51.1% | $163 million |
| 2 | Gardiner Federal Credit Union | Gardiner, ME | 54.9% | $101 million |
| 3 | Sebasticook Valley Federal Credit Union | Pittsfield, ME | 57.3% | $186 million |
| 4 | Ksw Federal Credit Union | Waterville, ME | 57.6% | $122 million |
| 5 | Otis Federal Credit Union | Jay, ME | 63.3% | $300 million |
| 6 | Oxford Federal Credit Union | Mexico, ME | 64.6% | $370 million |
| 7 | Bangor Federal Credit Union | Bangor, ME | 66.4% | $293 million |
| 8 | Cumberland County Federal Credit Union | Falmouth, ME | 69.7% | $494 million |
| 9 | Franklin-Somerset Federal Credit Union | Madison, ME | 70.5% | $149 million |
| 10 | Truchoice Federal Credit Union | Portland, ME | 71.4% | $257 million |
| 11 | Katahdin Federal Credit Union | Millinocket, ME | 72.1% | $111 million |
| 12 | Maine Highlands Federal Credit Union | Dexter, ME | 73.0% | $230 million |
| 13 | K V Federal Credit Union | Augusta, ME | 73.1% | $140 million |
| 14 | Maine Savings Federal Credit Union | Hampden, ME | 74.0% | $858 million |
| 15 | Lisbon Community Federal Credit Union | Lisbon, ME | 74.2% | $210 million |
| 16 | Seaboard Federal Credit Union | Bucksport, ME | 74.4% | $246 million |
| 17 | Community Credit Union | Lewiston, ME | 75.7% | $120 million |
| 18 | Saco Valley Credit Union | Saco, ME | 76.9% | $196 million |
| 19 | Peopleschoice Credit Union | Biddeford, ME | 77.4% | $367 million |
| 20 | Atlantic Regional Federal Credit Union | South Portland, ME | 77.7% | $1.1 billion |
| 21 | Winthrop Area Federal Credit Union | Winthrop, ME | 79.2% | $107 million |
| 22 | Casco Federal Credit Union | Gorham, ME | 79.5% | $121 million |
| 23 | Maine Family Federal Credit Union | Lewiston, ME | 80.7% | $288 million |
| 24 | The County Federal Credit Union | Presque Isle, ME | 81.4% | $530 million |
| 25 | Brewer Federal Credit Union | Brewer, ME | 81.6% | $118 million |
| 26 | New Dimensions Federal Credit Union | Waterville, ME | 81.9% | $244 million |
| 27 | Acadia Federal Credit Union | Fort Kent, ME | 82.7% | $413 million |
| 28 | Evergreen Credit Union | Portland, ME | 83.2% | $645 million |
| 29 | Maine State Credit Union | Augusta, ME | 84.3% | $806 million |
| 30 | Dirigo Federal Credit Union | Lewiston, ME | 85.8% | $498 million |
| 31 | University Credit Union | Orono, ME | 86.1% | $538 million |
| 32 | Norstate Federal Credit Union | Madawaska, ME | 86.4% | $280 million |
| 33 | Cport Credit Union | Portland, ME | 87.4% | $435 million |
| 34 | Midcoast Federal Credit Union | Freeport, ME | 87.9% | $267 million |
| 35 | Town & Country Federal Credit Union | South Portland, ME | 88.1% | $621 million |
| 36 | Downeast Credit Union | Baileyville, ME | 90.0% | $330 million |
| 37 | Trademark Federal Credit Union | Augusta, ME | 92.7% | $132 million |
| 38 | Central Maine Federal Credit Union | Lewiston, ME | 95.3% | $145 million |
| 39 | Connected Credit Union | Augusta, ME | 98.3% | $134 million |
| 40 | Ancorum Credit Union | Bath, ME | 100.1% | $402 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings