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Overview / Commentary
2010 N Belfast Ave
Augusta, ME 04330

Capital Area Federal Credit Union is headquartered in Augusta and is the 49th largest credit union in the state of Maine. It is also the 2,684th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 12 employees and 3,808 members at 1 location. Capital Area Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school, a business and/or other legal entities located in Kennebec, Waldo or Lincoln County, and/or a relative of a current member or reside in the same household.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Capital Area Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9919
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.6%
Return on Equity - YTD10.54%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$35.4MM$33.5MM
LoansQ4 2017vs Q4 2016$30.0MM$27.3MM
DepositsQ4 2017vs Q4 2016$29.5MM$28.5MM
Equity CapitalQ4 2017vs Q4 2016$5.4MM$4.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$258.00K$293.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$174.00K$202.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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Capital Area Federal Credit Union Locations
Branch Office2010 N Belfast aveAugusta, ME 04330