MIDCOAST
Federal • Freeport, Maine • Est. 1956
Quick Facts
- Charter Number
- #10898
- Type
- Federal
- Established
- 1956
- Headquarters
- Freeport, Maine 04032
- Address
- 186 Lower Main Street
- Branches
- 5
- ATMs
- 5
- Members
- 16,007
- Membership Type
- Community
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
16,007 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MIDCOAST |
|---|---|
| Total Assets | $266.8M |
| Members | 16,007 |
| Loans Outstanding | $215.6M |
| Shares & Deposits | $232.0M |
| Net Worth | $29.3M |
| Net Worth Ratio | 10.97% |
| Loan-to-Share Ratio | 92.9% |
| Delinquency Rate | 0.34% |
| Net Income | +$1,905,881 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
Bath Office
831 Middle St
Bath, ME 04530-2401
Brunswick Office
6 Station Ave
Brunswick, ME 04011-2092
Edgecomb Office
41 Route One
Edgecomb, ME 04556-3040
Thomaston Office
209 New County Rd
Thomaston, ME 04861-3116
Freeport Office
Main Office186 Lower Main St
Freeport, ME 04032
Who Can Join MIDCOAST?
Membership Type: Community
Membership eligibility for MIDCOAST may vary. Contact the credit union directly to confirm qualification requirements.
Contact MIDCOAST directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Maine
Browse all federally insured credit unions in Maine, ranked by assets, members, and financial health score.
View Maine RankingsFrequently Asked Questions
Yes. MIDCOAST 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, MIDCOAST has 16,007 members and a potential membership field of 469,480 people.
MIDCOAST's net worth ratio is 10.97% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.0%, MIDCOAST meets this threshold.
MIDCOAST operates 5 branch locations and has access to 5 ATMs. The main office is located at 186 Lower Main St, Freeport, ME 04032.
MIDCOAST was established in 1956. It is a federal credit union chartered under charter number 10898. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MIDCOAST. All financial data is for informational purposes only.