Civic Intelligence

University Credit Union

EIN 01-6028792 • 501(c)14 • Orono, ME

View Organization Page

Profile

The purpose of university credit union is prepare, progress, achieve. To actively advance the financial well-being of our members in every state of their lives.

15 Main StreetOrono, ME 04473

www.ucumaine.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

73rd percentile

0.92x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

58th percentile

15.90x

Higher debt load relative to revenue than 58% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

20th percentile

3.4%

Higher net margin than 20% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

68th percentile

5.2%

Faster asset growth than 68% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

62nd percentile

18%

Faster revenue growth than 62% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$508,181,878

Up $28,155,082 (+5.9%) from 2023

Liabilities

Up

$465,832,980

Up $24,493,551 (+5.5%) from 2023

Net Assets

Up

$42,348,898

Up $3,661,531 (+9.5%) from 2023

Operations
Liabilities / Revenue58th percentileNet Margin20th percentile

Revenue

Up

$29,289,979

Up $5,043,195 (+21%) from 2023

Expenses

Up

$28,299,035

Up $5,838,637 (+26%) from 2023

Net Income

Down

$990,944

Down $795,442 (-45%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth68th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2010: $194,407,941Liabilities 2010: $176,844,714Net Assets 2010: $17,563,2272010Assets 2011: $192,909,871Liabilities 2011: $174,139,652Net Assets 2011: $18,770,2192011Assets 2012: $211,504,702Liabilities 2012: $191,241,935Net Assets 2012: $20,262,7672012Assets 2013: $233,669,869Liabilities 2013: $212,118,380Net Assets 2013: $21,551,4892013Assets 2014: $255,484,769Liabilities 2014: $232,309,262Net Assets 2014: $23,175,5072014Assets 2015: $265,708,967Liabilities 2015: $241,555,721Net Assets 2015: $24,153,2462015Assets 2016: $276,038,532Liabilities 2016: $250,871,613Net Assets 2016: $25,166,9192016Assets 2017: $289,005,755Liabilities 2017: $262,507,650Net Assets 2017: $26,498,1052017Assets 2018: $305,452,117Liabilities 2018: $278,251,438Net Assets 2018: $27,200,6792018Assets 2019: $330,643,520Liabilities 2019: $299,566,688Net Assets 2019: $31,076,8322019Assets 2020: $385,646,309Liabilities 2020: $349,834,373Net Assets 2020: $35,811,9362020Assets 2021: $424,608,395Liabilities 2021: $385,484,095Net Assets 2021: $39,124,3002021Assets 2022: $459,586,136Liabilities 2022: $423,242,537Net Assets 2022: $36,343,5992022Assets 2023: $480,026,796Liabilities 2023: $441,339,429Net Assets 2023: $38,687,3672023Assets 2024: $508,181,878Liabilities 2024: $465,832,980Net Assets 2024: $42,348,8982024

Highlighted filing

2024

Assets$508,181,878
Liabilities$465,832,980
Net Assets$42,348,898
Open 2024 Filing

Operations Trend

Revenue Growth62nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2010: $11,247,7972010Expenses 2011: $11,088,8652011Expenses 2012: $11,501,4522012Revenue 2013: $12,748,442Expenses 2013: $11,442,827Net Income 2013: $1,305,6152013Revenue 2014: $14,365,545Expenses 2014: $12,807,905Net Income 2014: $1,557,6402014Revenue 2015: $15,443,996Expenses 2015: $14,360,170Net Income 2015: $1,083,8262015Revenue 2016: $16,270,086Expenses 2016: $14,965,221Net Income 2016: $1,304,8652016Revenue 2017: $16,750,897Expenses 2017: $15,356,726Net Income 2017: $1,394,1712017Revenue 2018: $16,924,654Expenses 2018: $15,995,925Net Income 2018: $928,7292018Revenue 2019: $18,930,933Expenses 2019: $16,063,394Net Income 2019: $2,867,5392019Revenue 2020: $19,858,361Expenses 2020: $16,471,282Net Income 2020: $3,387,0792020Revenue 2021: $20,708,166Expenses 2021: $16,129,125Net Income 2021: $4,579,0412021Revenue 2022: $21,065,584Expenses 2022: $17,883,590Net Income 2022: $3,181,9942022Revenue 2023: $24,246,784Expenses 2023: $22,460,398Net Income 2023: $1,786,3862023Revenue 2024: $29,289,979Expenses 2024: $28,299,035Net Income 2024: $990,9442024

Highlighted filing

2024

Revenue$29,289,979
Expenses$28,299,035
Net Income$990,944
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$508,181,878
Liabilities
$465,832,980
Net assets
$42,348,898
Revenue
$29,289,979
Expenses
$28,299,035
Net income
$990,944
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$508$466$42.3$29.3$28.3$0.99
2023Detailed filing. Detailed filing data is available for this year.$480$441$38.7$24.2$22.5$1.79
2022Detailed filing. Detailed filing data is available for this year.$460$423$36.3$21.1$17.9$3.18
2021Detailed filing. Detailed filing data is available for this year.$425$385$39.1$20.7$16.1$4.58
2020Detailed filing. Detailed filing data is available for this year.$386$350$35.8$19.9$16.5$3.39
2019Detailed filing. Detailed filing data is available for this year.$331$300$31.1$18.9$16.1$2.87
2018Detailed filing. Detailed filing data is available for this year.$305$278$27.2$16.9$16.0$0.93
2017Detailed filing. Detailed filing data is available for this year.$289$263$26.5$16.8$15.4$1.39
2016Detailed filing. Detailed filing data is available for this year.$276$251$25.2$16.3$15.0$1.30
2015Detailed filing. Detailed filing data is available for this year.$266$242$24.2$15.4$14.4$1.08
2014Detailed filing. Detailed filing data is available for this year.$255$232$23.2$14.4$12.8$1.56
2013Detailed filing. Detailed filing data is available for this year.$234$212$21.6$12.7$11.4$1.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$191$20.3$11.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$174$18.8$11.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$177$17.6$11.2
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 24, 2025
Return Version
2024v5.2
Gross Receipts
$33,709,073
Mission and Program Overview

Mission

The purpose of university credit union is to actively advance members' financial well-being in every stage of their lives.

Here for u - dedicated to promote financial well-being for you and your community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$382,717,531$402,461,177▲ $19,743,646
Investments Other Securities$45,759,872$50,699,261▲ $4,939,389
Rtn Earn Endowment Incm Other Fnds$38,687,367$42,348,898▲ $3,661,531
Cash and Non-Interest-Bearing Accounts$31,669,381$32,338,140▲ $668,759
Land, Buildings, and Equipment, Net$7,200,073$8,539,253▲ $1,339,180
Receivables From Officers Etc$3,066,820$3,121,911▲ $55,091
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$480,026,796$508,181,878▲ $28,155,082
Other Assets Total$9,613,119$11,022,136▲ $1,409,017
Liabilities
Other Liabilities$361,872,227$391,896,037▲ $30,023,810
Mortgage Notes Payable Secured by Investment Property$73,000,000$68,950,000▼ $4,050,000
Accounts Payable and Accrued Expenses$4,518,951$2,901,061▼ $1,617,890
Escrow Account Liability$1,948,251$2,085,882▲ $137,631
Total Liabilities$441,339,429$465,832,980▲ $24,493,551
Net Assets / Fund Balance
Total Net Assets Fund Balance$38,687,367$42,348,898▲ $3,661,531
Total Liabilities and Net Assets / Fund Balance$480,026,796$508,181,878▲ $28,155,082

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,933,219$3,937,901$7,871,120
Equipment$1,223,340$5,136,567$6,359,907
Land$1,861,721-$1,861,721
Other Land Buildings$1,462,544$56,215$1,518,759
Leasehold Improvements$58,429$771,379$829,808
Other Securities$45,005,302--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ouellette Renee DPresident & CEOFT$381,969$86,042$468,011
White-rideout DebExec Vice PresidentFT$234,052$54,477$288,529
Gleason AprilChief Lending OfficerFT$192,993$49,743$242,736
Byram EileenChief Risk OfficerFT$178,325$44,289$222,614
Freiwald PatriciaFinancial AdvisorFT$85,199$129,223$214,422
Ward MarthaVP of Technology & Digital ExperienceFT$140,330$49,800$190,130
Ward MarthaVP of Technology & Digital Experienc-$134,938$55,192$190,130
Beck StephanieVP of MarketingFT$148,224$17,815$166,039
Williams RobertChief Financial Officer (thru Aug)FT$118,958$37,273$156,231
Ross TrevorMortgage Loan OriginatorFT$113,104$34,027$147,131
Ramsay AbbeyVP of LendingFT$107,725$36,344$144,069
Austin AmandaVP of FinanceFT$40,499$2,281$42,780

Board Members and Trustees

NameTitle
Whitehill EncyChair
Henderson JonVice Chair
Baillargeon SteveDirector
Borgman RickDirector
Cheney CarolynDirector
Harr LucyDirector
Pickering TonyaSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
SynergentData Processing2 LEDGEVIEW DR, Westbrook, ME 04092$1,576,622
Portland Safe Consulting & Design INCEquipment & Service Support3 MALLISON FALLS RD, Windham, ME 04062$708,019
Presidio Networked SolutionsIt Support1 PENNSYLVANIA PLAZA SUITE 2501, New York, NY 10119$650,000
Cusag LLCOutside Services; CollectionsPO BOX 10064, Swanzey, NH 03446$168,782
OtelcoCommunications56 CAMPUS DR, New Gloucester, ME 04260$166,418
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$26,690,652
Investment Income
$2,620,812
Other Revenue
$-21,485
Change in Net Assets
$990,944

Audited Revenue Reconciliation

Revenue per Audited Statements
$29,289,979
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-24,158
Total Revenue per Audited Statements
$29,265,821
Total Revenue per Form 990
$29,289,979
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,953,428
Salaries, Compensation, and Employee Benefits$10,626,114
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,039,638
Benefits to Members---$4,719,493
Interest---$2,862,397
Current Officers, Directors, Trustees, and Key Employees---$1,415,655
Other Employee Benefits---$1,109,546
Depreciation Depletion---$744,979
Advertising---$728,294
Occupancy---$725,572
Fees for Services Other---$642,604
Payroll Taxes---$590,940
Pension Plan Contributions---$470,335
Other Expenses---$334,187
Travel---$117,516
Fees for Services Legal---$74,096
Fees for Services Accounting---$42,181
Insurance---$13,940
Total Functional Expenses$0$0$0$28,299,035

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$28,372,865
Expenses per Audited Statements$28,299,035
Total Expenses per Form 990$28,299,035
Expenses Not Reported on Form 990$73,830
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,066,820$3,121,911▲ $55,091
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNT$391,321,254
Lease Obligation$574,783
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is in business to serve its members, which is made up of the students, employees and alumni of the university of maine system, maine maritime academy, penobscot county school districts, northeast technical institute, the landing school, cosmotech, print mail of maine, usa union street athletics, general electric power systems of bangor, and the maine consumer council. Membership is also available to the families of these groups.”

Form 990, Part VI, Section A, Line 7A

“Members of the governing body are nominated and when applicable voted in by members of the organization.”

Form 990, Part VI, Section A, Line 7B

“Certain decisions are subject to the approval of the members of the organization, such as the decision to merge with another entity.”

Form 990, Part VI, Section B, Line 11B

“A copy of the 990 was provided to the governing body with available time for review and discussion before filing. The return was reviewed by the accounting manager and chief financial officer.”

Form 990, Part VI, Section B, Line 12C

“A conflict of interest statement is signed and issues are addressed as they arise.”

Form 990, Part VI, Section B, Line 15

“Compensation for the organization's president/ceo and all other employee compensation is determined with comparability data such as a compensation survey or study. The president/ceo compensation is subject to approval of the board.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted onsite at all public locations. The conflict of interest policy and governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
University Credit Union
EIN
01-6028792
Phone
2078898600
Address
15 MAIN STREET, ORONO, ME 04473

Signing Officer

Name
Renee Ouellette
Title
President/CEO
Phone
2078898600
Signed
2025-06-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Renee Ouellette
Formed
1967
Legal Domicile
Me
Voting Board Members
7
Independent Board Members
7
Employees
115
Volunteers
9

Preparer

Firm
Albin Randall & Bennett
Address
PO BOX 445 130 MIDDLE STREET, PORTLAND, ME 04112-0445
Preparer
Robin L Cyr
Phone
2077721981
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Equity acquired in merger 2,768,575.”

Financial Statement Notes

PART IV, LINE 1B:

“Ucu sells mortgages to fannie mae (fnma) and the federal home loan bank (fhlb) but retains the servicing. Ucu accepts the mortgage payments on behalf of fnma and fhlb and remits the p&i portions of those to the respective entity on a daily basis. The t&i (or escrow) portion of the payments is retained in a custodial account at ucu. Ucu disburses payments to the respective city/town and insurance companies as per the mortgage escrow agreements out of the custodial account. Custodial accounts are reconciled and reported to the fnma and fhlb monthly.”

PART IV, LINE 2B:

“Escrow accounts for mortgages”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“RENTAL EXPENSES 73,830.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“RENTAL EXPENSES 73,830.”

Raw XML AppendixShowing 400 of 719 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/PersonNm3BAILLARGEON STEVE
IRS990/Form990PartVIISectionAGrp/PersonNm4WHITEHILL ENCY
IRS990/Form990PartVIISectionAGrp/PersonNm5HENDERSON JON
IRS990/Form990PartVIISectionAGrp/PersonNm6PICKERING TONYA
IRS990/Form990PartVIISectionAGrp/PersonNm7OUELLETTE RENEE D
IRS990/Form990PartVIISectionAGrp/PersonNm8WHITE-RIDEOUT DEB
IRS990/Form990PartVIISectionAGrp/PersonNm9WILLIAMS ROBERT
IRS990/Form990PartVIISectionAGrp/PersonNm10AUSTIN AMANDA
IRS990/Form990PartVIISectionAGrp/PersonNm11GLEASON APRIL
IRS990/Form990PartVIISectionAGrp/PersonNm12BYRAM EILEEN
IRS990/Form990PartVIISectionAGrp/PersonNm13FREIWALD PATRICIA
IRS990/Form990PartVIISectionAGrp/PersonNm14WARD MARTHA
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IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EXEC VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF FINANCIAL OFFICER (THRU AUG)
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF RISK OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF TECHNOLOGY & DIGITAL EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt16MORTGAGE LOAN ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF LENDING
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt05136567
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01861721
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt058429

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