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Overview / Commentary
P.O. Box 598
Bath, ME 04530

Five County Credit Union is headquartered in Bath and is the 8th largest credit union in the state of Maine. It is also the 880th largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 110 employees and 24,809 members. Five County Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work or worship in Androscoggin, Cumberland, Kennebec, Lincoln, Sagadahoc, Somerset, Waldo or Knox county. - See Details

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Data for Q4 2013

Institution Health


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 Five County Credit Union had $1.08 million in non-current loans and owned real-estate with $17.02 million in equity and loan loss allowances on hand to cover it. This gives Five County Credit Union a Texas Ratio of 6.34% 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 Five County Credit Union experienced no significant changes from 4.79% as of December 31, 2012 to 6.34% as of December 31, 2013, resulting in a negative change of 32.31%. This indicates that the balance sheet and financial strength for Five County Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Five County Credit Union has increased its total deposits by $3.1 million, resulting in 1.72% 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 Five County Credit Union has shown is above 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. Five County Credit Union has $211.22 million in assets with $17.02 million in equity, resulting in a capitalization level of 8.06%, which is average.

Institution Statistics

NCUA #67993
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$211.22 million
Loans$145.75 million
Deposits$183.05 million
Equity Capital$16.28 million
Loan Loss Allowance$735,000
Unbacked Noncurrent Loans$921,000
Real Estate Owned$158,000
Historic Data - December 2012
Assets$206.81 million
Equity Capital$15.27 million
Loan Loss Allowance$731,000
Unbacked Noncurrent Loans$921,000
Real Estate Owned$195,000
Profit Margin - Quarterly
Net Interest Margin5.61%
Return on Assets0.48%
Return on Equity6.18%
Interest Income$9.15 million
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Five County Credit Union Savings Account Rates

0.25%--SHIP Account
0.15%$100k-Savings Account
0.15%$100k-IRA Savings Account
0.15%$100k-Savings Club
0.15%$100k-Christmas Club Account

Five County Credit Union Checking Account Rates

0.25%$100k-Golden Rate Fund Plus
0.20%$100k-Prestige Checking Account
0.20%$100k-Elite Checking Account
0.20%$100k-Golden Rate Fund
0.03%$5k-Classic Checking Account
0.03%$5k-Second Chance Checking Account
0.03%$5k-free4ME Checking Account

Five County Credit Union CD Rates

1.06%$100k-5 Year Share Certificate
0.85%$100k-4 Year Share Certificate
0.75%$100k-3 Year Share Certificate
0.55%$100k-2 Year Share Certificate
0.45%$100k-18 Month Share Certificate
0.35%$100k-12 Month Share Certificate
0.25%$100k-6 Month Share Certificate
0.15%$100k-90 Day Share Certificate

Five County Credit Union IRA Rates

1.06%$100k-5 Year IRA Certificate
0.85%$100k-4 Year IRA Certificate
0.75%$100k-3 Year IRA Certificate
0.55%$100k-2 Year IRA Certificate
0.45%$100k-18 Month IRA Certificate
0.35%$100k-12 Month IRA Certificate
0.25%$100k-6 Month IRA Certificate
0.15%$100k-90 Day IRA Certificate

Five County Credit Union has 14 locations. Click to view all Five County Credit Union locations.