Capital Area
Capital Area is a credit union based in Augusta, Maine, established in 1954, with $72 million in total assets serving 3,957 members. By Trust Grade it ranks 6th of 48 credit unions we track in Maine. Its net worth ratio of 17.3% is stronger than 68% of similarly sized credit unions, versus a Maine median of 10.9%. It was profitable over the most recent period, with a 1.31% return on assets. No consumer complaints against Capital Area appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Capital Area compares to Maine peers
How we graded Capital Area
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.3% capital ratio)
- Strongly profitable (ROA 1.31%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Capital Area over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Capital Area insured?
Yes. Capital Area is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Capital Area: frequently asked questions
Is Capital Area a good credit union?
Capital Area earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.3% capital ratio); Strongly profitable (ROA 1.31%).
Is Capital Area NCUA-insured?
Yes. Capital Area is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Capital Area?
Capital Area holds $72 million in total assets, ranking 6th of 48 credit unions we track in Maine. It serves 3,957 members.
Does Capital Area have CFPB complaints?
No CFPB complaints against Capital Area appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
