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The County Credit Union

Overview
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The County Credit Union is a federal credit union based in Presque Isle, Maine. It has been opened since 1956, for 64 years.

With around $237,590,000 in assets, The County Credit Union is considered to be a very large credit union. It has 4 branches and 4 ATM locations.

About
Address 110 Carmichael Street
Presque Isle, Maine 04769
Website http://www.countyfcu.org
Phone (207) 554-4700
Fax (207) 554-4004
CEO Ryan Ellsworth
President of the Board Shawn Anderson
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
18,979 members
Membership type: Community credit union
Above average number of members
306:1
Credit union member to staff ratio
306 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$237,585,186
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 4 in Maine
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
Branches
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4 branches
Compared with an average of 4 nationally and 4 in Maine
Above average number of branches
The County Credit Union Branch Locations

the County Credit Union: Houlton Branch
247 North Street
Houlton, Maine 04730
ATM Available
the County Credit Union: Caribou Branch
82 Bennett Drive
Caribou, Maine 04736
ATM Available
the County Credit Union: Corporate Office
110 Carmichael Street
Presque Isle, Maine 04769
No ATM
the County Credit Union: Fort Fairfield Branch
232 Main Street
Fort Fairfield, Maine 04742
ATM Available
the County Credit Union: Presque Isle Branch
776 Main Street
Presque Isle, Maine 04769
ATM Available
Members
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18,979 members
Membership type: Community credit union
Above average number of members

With 18,979 members, the The County Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 81% of credit unions.

Fees
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$57
Average fee per member
The average fee per member at the The County Credit Union is $57, which is comparable to most credit unions. This rate is lower than 43% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the The County Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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306:1
Credit union member to staff ratio
306 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
62 staff members
FTE (full-time equivalent)
15% of employees are part-time
57 full-time, 10 part-time

The County Credit Union has 57 full-time staff members and 10 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 85% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. The County Credit Union has around 306 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$237,585,186
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$12,449
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 67% of credit unions.

The County Credit Union holds a total of $199,070,000 in loans and leases, which is about $12,449 per member on average.

Savings interest rate
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. The County Credit Union pays 0.20%.

Loan rates
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11.09%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.87%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.48%
New car loan rate
Compared to 4.0% nationally
5.83%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.07%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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