Brewer Federal Credit Union (13682), a $110.9M credit union headquartered in Brewer, ME, led by CEO Defroscia, Jr, reported 8,485 members at the end of 2025 Q3, a decrease of 144 members (-1.7%) compared to the same quarter last year.
Membership decline may reflect competitive pressure, field of membership constraints, or strategic focus on member quality over quantity.
Per-Member Economics
Brewer Federal Credit Union's 8,485 members maintain an average of $12K in deposits and $9K in loans. Per-member balances growing faster than membership indicates deepening wallet share—a positive sign for member engagement.
Membership Trends
Recent membership trends warrant strategic review of acquisition channels and member value proposition.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 8,849 | $12K | |
| 2024 Q3 | 8,629 | -2.5% | $13K |
| 2024 Q4 | 8,607 | -0.3% | $13K |
| 2025 Q1 | 8,664 | +0.7% | $13K |
| 2025 Q2 | 8,732 | +0.8% | $13K |
| 2025 Q3 | 8,485 | -2.8% | $13K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Brewer Federal Credit Union has a defined field of membership comprising 247,284 potential members. With 8,485 current members, the credit union achieves a 3.4% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
Brewer Federal Credit Union's membership has grown 19% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 7,152 members.
This growth trajectory demonstrates steady member acquisition through multiple economic cycles.
Peer Comparison
Among 968 credit unions in its $55.4M–$166.3M asset peer group, Brewer Federal Credit Union ranks in the 40th percentile for membership growth.
Outlook
Brewer Federal Credit Union's membership trajectory will depend on its ability to differentiate through service quality, digital capabilities, and community engagement in an increasingly competitive landscape.
Brewer Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize and reverse membership trends.
Track This Credit Union
Monitor Brewer Federal Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.