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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 51st largest credit union in the state of Maine. It is also the 2,785th largest credit union in the nation. It was established in 1954 and as of September of 2016, it had grown to 11 employees and 3,763 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.
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Health
B+
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

Overall
NCUA #9919
Year Chartered1954
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD11.95%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$33.3MM$28.3MM
LoansQ3 2016vs Q3 2015$27.3MM$24.2MM
DepositsQ3 2016vs Q3 2015$28.3MM$23.9MM
Equity CapitalQ3 2016vs Q3 2015$4.7MM$4.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$335.00K$236.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$191.00K$241.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates

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Locations


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