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Overview / Commentary
55 Cushing ST
Brunswick, ME 04011

Atlantic Regional Credit Union is headquartered in Brunswick and is the 3rd largest credit union in the state of Maine. It is also the 744th largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 68 employees and 19,006 members. Atlantic Regional Credit Union's savings rates are 92% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Membership is open to persons who live, work, worship, or attend school in, and businesses and other legal entities located in the Maine counties of Cumberland and Sagadahoc County. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Atlantic Regional Credit Union had $1.03 million in non-current loans and owned real-estate with $37.92 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Regional Credit Union a Texas Ratio of 2.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Atlantic Regional Credit Union decreased slightly from 3.05% as of March 31, 2013 to 2.72% as of March 31, 2014, resulting in a positive change of 10.68%.This indicates that the balance sheet and financial strength for Atlantic Regional Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Atlantic Regional Credit Union has increased its total deposits by $13.36 million, resulting in 5.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Atlantic Regional Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Atlantic Regional Credit Union has $276.78 million in assets with $37.92 million in equity, resulting in a capitalization level of 13.70%, which is excellent.

Institution Statistics

NCUA #4281
Year Chartered1941
Primary Regulator
Assets and Liabilities
Assets$276.78 million
Loans$177.01 million
Deposits$238.10 million
Equity Capital$36.69 million
Loan Loss Allowance$1.23 million
Unbacked Noncurrent Loans$407,000
Real Estate Owned$626,000
Historic Data - March 2013
Assets$263.28 million
Equity Capital$36.13 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$407,000
Real Estate Owned$61,000
Profit Margin - Quarterly
Net Interest Margin1.1%
Return on Assets0.54%
Return on Equity4.06%
Interest Income$2.50 million

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Atlantic Regional Credit Union Savings Account Rates

1.00%-$10kKasasa Saver - Qualifying
0.45%$100k-Roth IRA Share
0.45%$100k-IRA Share
0.45%$100k-SEP IRA Share
0.45%$100k-CESA Share
0.30%$5k-Health Savings Account
0.10%$25-Share Savings
0.10%$25-Christmas Club
0.10%$25-Rainy Day Club
0.10%$25-Vacation Club
0.05%--Kasasa Saver - Non Qualifying

Atlantic Regional Credit Union Money Market Rates

0.45%$100k-WAVE Money Market Account

Atlantic Regional Credit Union Checking Account Rates

2.50%-$10kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying
0.00%--Regular Checking
0.00%--Free4ME Checking

Atlantic Regional Credit Union CD Rates

1.50%$500-4 Year Share Certificate
1.35%$500-5 Year Step-Up Share Certificate
0.90%$500-3 Year Share Certificate
0.65%$500-2 Year Share Certificate
0.40%$500-12 Month Share Certificate
0.40%$500-18 Month Rippling Waves Share Certificate
0.25%$500-6 Month Share Certificate
0.15%$100-3 Month Share Certificate

Atlantic Regional Credit Union IRA Rates

1.50%$500-4 Year IRA Certificate
1.35%$500-5 Year Step-Up IRA Certificate
0.90%$500-3 Year IRA Certificate
0.65%$500-2 Year IRA Certificate
0.40%$500-12 Month IRA Certificate
0.40%$500-18 Month Rippling Waves IRA
0.25%$500-6 Month IRA Certificate

Atlantic Regional Credit Union Locations
Branch Office327 Main STCumberland, ME 04021
Branch Office41 Mallett DrFreeport, ME 04032
Branch Office55 Cushing STBrunswick, ME 04011
Branch Office3 Union Park RDTopsham, ME 04086