SACO VALLEY
State-Chartered • Saco, Maine • Est. 1947
Quick Facts
- Charter Number
- #68324
- Type
- State-Chartered
- Established
- 1947
- Headquarters
- Saco, Maine 04072
- Address
- PO Box 740
- Branches
- 5
- ATMs
- 2
- Members
- 9,201
- 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
9,201 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SACO VALLEY |
|---|---|
| Total Assets | $190.8M |
| Members | 9,201 |
| Loans Outstanding | $158.1M |
| Shares & Deposits | $170.0M |
| Net Worth | $20.5M |
| Net Worth Ratio | 10.72% |
| Loan-to-Share Ratio | 93.0% |
| Delinquency Rate | 0.69% |
| Net Income | +$1,893,956 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 2 ATMs
Synergent
2 Ledgeview Dr
Westbrook, ME 04092-3939
Five County Credit Union
19 Commercial St
Portland, ME 04101-4779
Downtown Saco Office
Main Office312 Main St
Saco, ME 04072-1515
Main Office
500 Main St
Saco, ME 04072-1530
Waterboro Branch Office
860 Main St
Waterboro, ME 04087-3013
Who Can Join SACO VALLEY?
Membership Type: Community
Membership eligibility for SACO VALLEY may vary. Contact the credit union directly to confirm qualification requirements.
Contact SACO VALLEY 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. SACO VALLEY 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, SACO VALLEY has 9,201 members and a potential membership field of 528,816 people.
SACO VALLEY's net worth ratio is 10.72% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.7%, SACO VALLEY meets this threshold.
SACO VALLEY operates 5 branch locations and has access to 2 ATMs. The main office is located at 312 Main St, Saco, ME 04072-1515.
SACO VALLEY was established in 1947. It is a state-chartered credit union chartered under charter number 68324. The institution has been serving members for 79 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SACO VALLEY. All financial data is for informational purposes only.