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Overview / Commentary
12 Monument St
Winslow, ME 04901

Winslow Community Credit Union is headquartered in WINSLOW and is the 50th largest credit union in the state of Maine. It is also the 2,971st largest credit union in the nation. It was established in 1958 and as of December of 2013, it had grown to 10 employees and 4,108 members. Winslow Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the following municipalities in the State of Maine: Fairfield, Freedom, Palermo, Unity, Burnham, Albion, Benton, China, Clinton, Oakland, Sidney, Vassalboro, Waterville or Winslow. - 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. Winslow Community 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 Winslow Community Credit Union had $67,000 in non-current loans and owned real-estate with $2.81 million in equity and loan loss allowances on hand to cover it. This gives Winslow Community Credit Union a Texas Ratio of 2.38% 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 Winslow Community Credit Union experienced no significant changes from 1.15% as of December 31, 2012 to 2.38% as of December 31, 2013, resulting in a negative change of 107.29%. This indicates that the balance sheet and financial strength for Winslow Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Winslow Community Credit Union has increased its total deposits by $886,000, resulting in 3.49% 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 Winslow Community 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. Winslow Community Credit Union has $29.2 million in assets with $2.81 million in equity, resulting in a capitalization level of 9.63%, which is above average.

Institution Statistics

NCUA #12396
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$29.21 million
Loans$18.82 million
Deposits$26.28 million
Equity Capital$2.70 million
Loan Loss Allowance$108,000
Unbacked Noncurrent Loans$67,000
Real Estate Owned$0
Historic Data - December 2012
Assets$28.02 million
Equity Capital$2.55 million
Loan Loss Allowance$64,000
Unbacked Noncurrent Loans$67,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.54%
Return on Equity5.81%
Interest Income$1.00 million
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Winslow Community Credit Union Savings Account Rates

0.25%--IRA Share
0.10%$25-Share Savings
0.10%--Clubs Savings

Winslow Community Credit Union Money Market Rates

0.25%$50k-Money Market Account

Winslow Community Credit Union CD Rates

1.16%$1k-60 Month CD
0.95%$1k-48 Month CD
0.85%$1k-36 Month CD
0.65%$1k-24 Month CD
0.50%$1k-12 Month CD
0.30%$1k-6 Month CD

Winslow Community Credit Union Locations
Branch Office12 MONUMENT STWINSLOW, ME 04901