Credit union · NCUA insured
Winthrop Area Federal Credit Union
A $105.1M credit union headquartered in Winthrop, ME, with 8,031 members and 1 branch in Maine. Best rates: CDs 4.28% APY.
Winthrop Area Federal Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#6 of 19 in Augusta, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Winthrop Area Federal Credit Union
Winthrop Area Federal Credit Union is headquartered in Winthrop, Maine, and proudly serves Androscoggin, Franklin, Kennebec, Lincoln, Sagadahoc, Somerset, and Waldo counties.
The credit union operates as a member-owned, not-for-profit cooperative financial institution.
- Headquarters
- 94 Highland Ave, Winthrop, ME 04364
- NCUA charter
- 2301
Branches
1 branch in Maine
Loading map…
Maine
1 branch
- Main OfficeMain office94 Highland Ave, Winthrop, ME 04364Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.43% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.10% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio11.43%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.10%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Winthrop Area Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.