Sep, 30, 2025 — ATLANTIC REGIONAL FEDERAL CREDIT UNION is a federal credit union headquartered in SOUTH PORTLAND, ME with 11 branch locations and about $1.09 billion in total assets. Opened 85 years ago in 1941, ATLANTIC REGIONAL FEDERAL CREDIT UNION has about 49,054 members and employs 204 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ATLANTIC REGIONAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 600 Sable Oaks Dr Ste 100 SOUTH PORTLAND, ME 04106-3292 |
| Phone: | (800) 834-0432 |
| Fax: | |
| Website: | https://www.atlanticfcu.com |
| Branches: | 11 branch locations |
| Members: | 49,054 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4281 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,094,262,001 |
| CEO/Manager: | Scott Chretien |
| Chairperson: | Thomas Perkins |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 59,629,494 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 502,239,387 |
| Unsecured Loans | 34,456,549 |
| Other Loans | 199,648,147 |
| TOTAL LOANS | 744,295,062 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -7,285,921 |
| Land And Building | 42,166,767 |
| Other Fixed Assets | 2,735,493 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 8,907,274 |
| All Other Assets | 0 |
| TOTAL ASSETS | 1,094,262,001 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 30,000,000 |
| Accounts Payable & Other Liabilities | 7,010,106 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 234,853,526 |
| Regular shares | 342,306,861 |
| All Other Shares & Deposits | 377,550,574 |
| TOTAL SHARES & DEPOSITS | 954,710,961 |
| TOTAL LIABILITIES | 991,721,067 |
| Regular Reserve | 0 |
| Other Reserves | 21,151,451 |
| Undivided Earnings | 81,389,483 |
| TOTAL EQUITY | 102,540,934 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,094,262,001 |
| INCOME & EXPENSE | |
| Loan Income | 31,691,459 |
| Investment Income | 5,686,333 |
| Other Income | 4,237,317 |
| Total Employee Compensation & Benefits | 15,869,895 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 13,693,062 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,224,000 |
| Cost of Funds | 14,593,954 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,521,036 |
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