PENOBSCOT COUNTY FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.penobscotfcu.com for more information.
Sep, 30, 2025 — PENOBSCOT COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in Old Town, ME with 3 branch locations and about $92.11 million in total assets. Opened 58 years ago in 1968, PENOBSCOT COUNTY FEDERAL CREDIT UNION has about 10,974 members and employs 23 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PENOBSCOT COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | PO Box 434 Old Town, ME 04468 |
| Phone: | (207) 827-3165 |
| Fax: | (207) 827-6674 |
| Website: | https://www.penobscotfcu.com |
| Branches: | 3 branch locations |
| Members: | 10,974 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 18507 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1968 |
| Last Audited: | Dec 01, 2019 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $92,110,427 |
| CEO/Manager: | Ryan Ellsworth |
| Chairperson: | John St. Peter |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 26,639,520 |
| TOTAL INVESTMENTS | 3,376,095 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 20,822,269 |
| Unsecured Loans | 4,169,068 |
| Other Loans | 32,148,829 |
| TOTAL LOANS | 57,140,166 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -189,602 |
| Land And Building | 1,325,165 |
| Other Fixed Assets | 135,267 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 781,471 |
| All Other Assets | 2,902,345 |
| TOTAL ASSETS | 92,110,427 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 730,038 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 14,530,987 |
| Regular shares | 26,875,651 |
| All Other Shares & Deposits | 43,834,554 |
| TOTAL SHARES & DEPOSITS | 85,241,192 |
| TOTAL LIABILITIES | 85,971,230 |
| Regular Reserve | 267,524 |
| Other Reserves | 1,221,203 |
| Undivided Earnings | 4,650,470 |
| TOTAL EQUITY | 6,139,197 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 92,110,427 |
| INCOME & EXPENSE | |
| Loan Income | 3,418,561 |
| Investment Income | 88,790 |
| Other Income | 872,523 |
| Total Employee Compensation & Benefits | 1,682,638 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,857,024 |
| Non-operating Income & (Expense) | -17,334 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 109,125 |
| Cost of Funds | 999,542 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -285,789 |
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