CAPITAL AREA
Federal • Augusta, Maine • Est. 1954
Quick Facts
- Charter Number
- #9919
- Type
- Federal
- Established
- 1954
- Headquarters
- Augusta, Maine 04330
- Address
- 2010 N Belfast ave
- Branches
- 3
- Members
- 3,971
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,971 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAPITAL AREA |
|---|---|
| Total Assets | $70.2M |
| Members | 3,971 |
| Loans Outstanding | $51.8M |
| Shares & Deposits | $57.0M |
| Net Worth | $12.1M |
| Net Worth Ratio | 17.29% |
| Loan-to-Share Ratio | 90.9% |
| Delinquency Rate | 0.01% |
| Net Income | +$1,274,708 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations
Main Office
Main Office2010 N Belfast ave
Augusta, ME 04330
Synergent Corp
2 Ledgeview dr
Westbrook, ME 04092
Synergent Corp
2 Ledgeview dr
Westbrook, ME 04092
Who Can Join CAPITAL AREA?
Membership Type: Other/Unknown
Membership eligibility for CAPITAL AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact CAPITAL AREA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maine RankingsFrequently Asked Questions
Yes. CAPITAL AREA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CAPITAL AREA has 3,971 members and a potential membership field of 45,000 people.
CAPITAL AREA's net worth ratio is 17.29% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 17.3%, CAPITAL AREA meets this threshold.
CAPITAL AREA operates 3 branch locations. The main office is located at 2010 N Belfast ave, Augusta, ME 04330.
CAPITAL AREA was established in 1954. It is a federal credit union chartered under charter number 9919. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CAPITAL AREA. All financial data is for informational purposes only.