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The Lender Report built this page from public records. Atlantic Regional Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Atlantic Regional Credit Union itself. Each figure shows its source and date. Work at Atlantic Regional Credit Union? You can claim this page for free.
Credit union, South Portland, ME
Atlantic Regional Credit Union
A credit union based in South Portland, ME. Its commercial book is led by multifamily and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $88.6M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 20
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 24
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.14B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-834-0432 From the NCUA record, June 30, 2026.
- Website
- www.atlanticfcu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- atlanticfcu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ATLANTIC REGIONAL; Atlantic Federal Credit Union; Atlantic Regional Federal Credit UnionNCUA 5300,
- Address
- 600 Sable Oaks Dr Suite 100, South Portland, ME 04106NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Atlantic Regional Credit Union's Non-owner-occupied CRE balance rose 123.7% to $31.5M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 22 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Multifamily balance rose 30.4% to $35.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 104.1% to $31.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | Maine | SBA 7(a), Real Estate and Rental and Leasing | $50K | 8.75% | 10 yr | SBA FOIA | |
| May 2026 | Maine | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $70K | 8.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Maine | SBA 7(a), Professional, Scientific, and Technical Services | $150K | 8.25% | 10 yr | SBA FOIA | |
| 2025 | Hancock County, ME | Purchase, 5 to 24 units | $1.8M | 6.88% | 5 yr | 78% | HMDA 2025 |
| 2025 | Androscoggin County, ME | Refinance, 5 to 24 units | $620K | 7.25% | 5 yr | HMDA 2025 | |
| 2025 | Maine | Refinance, 5 to 24 units | $260K | 7% | 5 yr | 33% | HMDA 2025 |
| 2025 | Androscoggin County, ME | Improvement, 25 to 49 units | $200K | 6.88% | 3 yr | 73% | HMDA 2025 |
| Sep 2025 | Maine | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $58K | 7.25% | 6 yr | SBA FOIA | |
| Sep 2025 | Maine | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $15K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2025 | Maine | SBA 7(a), Residential Remodelers | $30K | 8.5% | 10 yr | SBA FOIA | |
| Jun 2025 | Maine | SBA 7(a), Finish Carpentry Contractors | $15K | 8.5% | 3 yr | SBA FOIA | |
| Apr 2025 | Maine | SBA 7(a), Painting and Wall Covering Contractors | $25K | 8.5% | 10 yr | SBA FOIA | |
| Mar 2025 | Maine | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $50K | 8.5% | 10 yr | SBA FOIA | |
| Feb 2025 | Maine | SBA 7(a), Child Care Services | $200K | 7.25% | 5 yr | SBA FOIA | |
| Feb 2025 | Maine | SBA 7(a), Residential Property Managers | $45K | 7.75% | 5 yr | SBA FOIA | |
| Jan 2025 | Maine | SBA 7(a), Home Health Care Services | $71K | 7.5% | 7 yr | SBA FOIA | |
| 2024 | Androscoggin County, ME | Cash-out refinance, 25 to 49 units | $620K | 7.75% | 5 yr | 79% | HMDA 2024 |
| 2024 | Kennebec County, ME | Purchase, 5 to 24 units | $360K | 7.75% | 5 yr | HMDA 2024 | |
| 2024 | Cumberland County, ME | Cash-out refinance, 5 to 24 units | $100K | 8% | 5 yr | 90% | HMDA 2024 |
| Nov 2024 | Maine | SBA 7(a), New Single-Family Housing Construction (except For-Sale Builders) | $75K | 8.75% | 10 yr | SBA FOIA | |
| Nov 2024 | Maine | SBA 7(a), Fitness and Recreational Sports Centers | $44K | 7.5% | 5 yr | SBA FOIA | |
| Oct 2024 | Maine | SBA 7(a), Home Health Care Services | $180K | 7.5% | 2 yr | SBA FOIA | |
| Oct 2024 | Maine | SBA 7(a), Mining, Quarrying, and Oil and Gas Extraction | $180K | 7.5% | 7 yr | SBA FOIA | |
| Oct 2024 | Maine | SBA 7(a), Home Health Care Services | $150K | 10% | 10 yr | SBA FOIA | |
| Jun 2024 | Maine | SBA 504, Other Services (except Public Administration) | $210K | 25 yr | SBA FOIA | ||
| 23 SBA 7(a) loans since October 2023, net of cancelled | $1.68M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $35.2M | 4.4% | +30.4% | 46 | $765K |
| Construction and land development | $1.18M | 0.1% | Not reported | 2 | $588K |
| Owner-occupied CRE | $17.1M | 2.1% | -3.4% | 38 | $449K |
| Non-owner-occupied CRE | $31.5M | 3.9% | +104.1% | 48 | $656K |
| Farmland | $51.2K | 0.0% | Not reported | 1 | $51.2K |
| Commercial and industrial | $3.68M | 0.5% | +27.2% | 70 | $52.6K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $88.6M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $90.5M |
| Q4 2023 | $92.8M |
| Q1 2024 | $91.7M |
| Q2 2024 | $91.2M |
| Q3 2024 | $90.6M |
| Q4 2024 | $90.7M |
| Q1 2025 | $57.2M |
| Q2 2025 | $63.9M |
| Q3 2025 | $66.7M |
| Q4 2025 | $66.1M |
| Q1 2026 | $64.8M |
| Q2 2026 | $88.6M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 4 | $2.90M | $440K | $1.8M | HMDA, |
| Multifamily, 5 or more units | 2024 | 3 | $1.10M | $360K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 10 | $1.96M | $200K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 23 | $1.68M | $50.0K | $200K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $270K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $210K | $210K | $210K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 20 | $29.0M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 3 | $8.99M | NCUA 5300, | ||
| Construction | First half of 2026 | 3 | $1.07M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 4 | $490K | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 10 | $18.5M | NCUA 5300, | ||
| C&I | First half of 2026 | 33 | $1.21M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $588K |
| Multifamily | $765K |
| Owner-occupied CRE | $449K |
| Non-owner-occupied CRE | $656K |
| Farmland | $51.2K |
| Commercial and industrial | $52.6K |
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Maine HQ | 12 | 4 | 10 | 23 | 1 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $139M | $32.7M to $161M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $94.6M | $859K to $101M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 68.0% | 2.6% to 102.8% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $18.4M | $4.45M to $17.3M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 55.4% | 8.6% to 94.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 71.1% | 45.8% to 82.0% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- SBA Express
- 22 loans
- Approval to first disbursement
- 17.5 days, median of 22
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Maine Savings Credit Union | ME | $858M | $59.3M |
| Maine State Credit Union | ME | $806M | $118M |
| The County Credit Union | ME | $530M | $29.7M |
| Dirigo Credit Union | ME | $498M | $8.35M |
| Ancorum Credit Union | ME | $402M | $48.2M |
| Midcoast Credit Union | ME | $267M | $3.87M |
| Truity Credit Union | OK | $1.32B | $111M |
| Merck Sharp & Dohme Credit Union | PA | $1.01B | $11.2M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Atlantic Regional Credit Union, NCUA charter 4281. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.14B in total assets and $88.6M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 20 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 41 loans in HMDA and SBA files, through September 30, 2026: 4 HMDA multifamily 2025, 3 HMDA multifamily 2024, 10 HMDA 1-4 unit investor 2025, 23 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. [How each file was tied to Atlantic Regional Credit Union]
- Phone and website. Phone 800-834-0432, from the NCUA record. Website atlanticfcu.com, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 4281
- RSSD
- 169578
- LEI
- 5493009JEKX81THMLH86
- The Lender Report ID
- lr_001385
- Main office county
- Cumberland
- Members
- 49,376
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $1.1B in total assets as of June 30, 2026 (NCUA 5300).
- Held $88.6M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $35.2M of multifamily loans as of June 30, 2026, up 30.4% from a year earlier (NCUA 5300).
- Held $31.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 104.1% from a year earlier (NCUA 5300).
- Held $17.1M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 4 multifamily loans totaling $2.9M in 2025 (HMDA).
7 more sentences
- Originated 3 multifamily loans totaling $1.1M in 2024 (HMDA).
- Originated 10 1-4 unit investor or business-purpose loans totaling $2M in 2025 (HMDA).
- Recorded 25 SBA 7(a) approvals totaling $1.8M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Provided the first lien on 2 SBA 504 projects with $710K in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 20 real-estate-secured commercial loans totaling $29M in the first half of 2026 (NCUA 5300).
- Held $1.8M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 12 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Atlantic Regional Credit Union, https://lender.report/lender/atlantic-regional-credit-union-me/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem