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Overview / Commentary
115 Mecaw Rd
Hampden, ME 04444

Changing Seasons Credit Union is headquartered in Hampden and is the 53rd largest credit union in the state of Maine. It is also the 3,384th largest credit union in the nation. It was established in 1966 and as of December of 2013, it had grown to 9 employees and 2,189 members. Changing Seasons Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in one of the several select towns of Maine. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Changing Seasons Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Changing Seasons Credit Union had $90,000 in non-current loans and owned real-estate with $2.26 million in equity and loan loss allowances on hand to cover it. This gives Changing Seasons Credit Union a Texas Ratio of 3.98% 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 Changing Seasons Credit Union experienced no significant changes from 3.36% as of December 31, 2012 to 3.98% as of December 31, 2013, resulting in a negative change of 18.50%. This indicates that the balance sheet and financial strength for Changing Seasons Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Changing Seasons Credit Union has decreased its total deposits by $-351,000, resulting in -1.79% 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 Changing Seasons Credit Union has shown is average.



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. Changing Seasons Credit Union has $21.93 million in assets with $2.26 million in equity, resulting in a capitalization level of 10.31%, which is above average.

Institution Statistics

NCUA #17472
Year Chartered1966
Primary Regulator
Assets and Liabilities
Assets$21.93 million
Loans$17.48 million
Deposits$19.22 million
Equity Capital$2.22 million
Loan Loss Allowance$42,000
Unbacked Noncurrent Loans$90,000
Real Estate Owned$0
Historic Data - December 2012
Assets$21.74 million
Equity Capital$2.13 million
Loan Loss Allowance$74,000
Unbacked Noncurrent Loans$90,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.41%
Return on Equity4.06%
Interest Income$841,000
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Changing Seasons Credit Union Savings Account Rates

0.20%$2k-Hi-Yield Savings Account
0.20%$25-IRA Club Account
0.20%$25-Roth IRA Club Account
0.20%$25-SEP IRA Club Account
0.20%$25-Coverdell ESA Club Account
0.10%$25-Savings Account
0.10%$25-Club Account

Changing Seasons Credit Union CD Rates

1.35%$500-60 Month Share Certificate
1.35%$150-60 Month Monty Moose Share Certificate
0.60%$500-24 Month Share Certificate
0.60%$150-24 Month Monty Moose Share Certificate
0.30%$500-12 Month Share Certificate
0.30%$150-12 Month Monty Moose Share Certificate
0.25%$500-6 Month Share Certificate
0.25%$150-6 Month Monty Moose Share Certificate

Changing Seasons Credit Union IRA Rates

1.35%$500-60 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.60%$500-24 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.30%$500-12 Month IRA Certificate (Traditional,Roth,CESA,SEP)
0.25%$500-6 Month IRA Certificate (Traditional,Roth,CESA,SEP)

Changing Seasons Credit Union Locations
Branch Office115 Mecaw RDHampden, ME 044441944