# TRUCHOICE
PORTLAND, ME · NCUA charter 10100 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/truchoice-10100

Who the members are: federal charter, community charter, organized 1955. 12,579 members of 1,012,654 potential (1.2% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 113.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $253.6M |
| Members | 12,579 (-1.0% YoY) |
| Full-time staff | 52 |
| Net worth | $27.7M |
| Net worth ratio | 10.9% (p46 of band) |
| ROA (annualized) | 0.99% (p71 of band) |
| Total delinquency | 0.96% (p77 of band) |
| Net charge-offs (annualized) | 0.44% (p54 of band) |
| Loans / shares | 91% (p89 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p87 of band) |
| Operating expense / assets | 4.14% (p69 of band) |
| Vehicles % of loans | 23% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 1.28% (p84 of band) |
| Vehicle NCO | 0.02% (p9 of band) |
| Repossessed % of vehicle book | 0.01% (p52 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 19% |
| Average share balance | $7,551 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.6M |
| Loans outstanding per 100 members | 113% |
| Loans granted per 100 members, annualized | 220% |
| Average loan balance | $14,647 |
| Loans granted, annualized | $93.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.6M outstanding purchased (16.7% of net worth), $915,130 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | loans>95% of shares |  |
| 2018-03 | 1 |  | loans>95% of shares |
| 2018-06 | 2 | loans>95% of shares |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 3 | delinquency rising | net worth falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | expense trap |
| 2019-12 | 3 | delinquency 2x band |  |
| 2020-03 | 2 | margin squeeze | loans>95% of shares, delinquency 2x band |
| 2020-06 | 3 | net worth falling, delinquency 2x band | delinquency rising |
| 2020-09 | 1 |  | net worth falling, delinquency 2x band |
| 2020-12 | 2 | delinquency 2x band |  |
| 2021-03 | 0 |  | margin squeeze, delinquency 2x band |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | loans>95% of shares |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 1 |  | loans>95% of shares |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 1 |  | delinquency 2x band |
| 2025-06 | 1 | delinquency 2x band | net worth falling |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 1 | delinquency 2x band |  |
| 2026-03 | 0 |  | delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-15 [Maine Credit Union grows assets by more than 60% - CUInsight](https://news.google.com/rss/articles/CBMikgFBVV95cUxORi1JeEdPMFVWOExTdTVqRmhKRVdQdjhKYkZZdktiLWZPNlRsMFlVa0NBbnhXcVgtVmx6ejg3OFM3WjVKRjh1VEhvcVFuS0gyQ0dRczBrenBoR3UxOUpHRVBsSkhBd1dESHlqdUtFYTBQeVBTNGZTYmlva2lwVWdoQXVEWnZnX3o4Tl9FNkRHZ2xudw?oc=5) · CUInsight
- 2024-07-29 [TruChoice FCU expands leadership team with four promotions - mainebiz.biz](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQjVtaDIxVlRjYlkyVGdkdi1TTXNlSnllTWxMU2NiSWZfeTlLTGc3ZkVHaDBsMW1Vam54d1dERXd5blA4OVhmRElRZV8wWjBxT1VLYVJoWnVoQ0I3NUd6OGdMOF92X2FUY09LZ1k1bDNFZzllSDg2eVBqLXNDMUs1WXdaWmdHajFVd2N0ZXVPczJrUQ?oc=5) · mainebiz.biz
- 2025-12-24 [Dan P. Savage Obituary Apr 8, 2016 - Dolby, Blais & Segee](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5XU1pBVVp2ajBwelJuT3JxZlluTXk3Sml2TlBmLWFHWENpaDNCMjE4cmlpQ3VOVXRaTXFxdy1nekNrOC04c1FLNWdFQmlvQ0ZudVplMC1WY2E5a244VGk4M1FEYw?oc=5) · Dolby, Blais & Segee
- 2024-08-20 ['Best Places to Work in Maine': Here's who made the 2024 list - WMTW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaHFkUzNRV2pDVzhOd0dEOUFKelZHaE00NFM2YnEtUVllQmNKbTJia0hUVjRnc29qdnBqN05rYlliVEE2dlBod1FmSGtrckhiM0xDZ05KcVY3Nkgwb29MMV8yTW5sUm9zQ0NhT1lDZDA0eEh5akNjMEkwbzU3VVhsUndlYUJkdUNE?oc=5) · WMTW
- 2013-06-29 [Shayne Sintz Obituary Jun 29, 2013 - R.M. Edgerly & Son](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4tVWlBSTYzV0VFYmpkUHJQbThhZ3BwYmhMeFBjaFNFU1ZoX21oYVJHSVNEMUc4NlU4WkdfaldwZWdGS2xzVlFKc3cwZVpuTkpZOFNCVHM2TDBTbjZCeEE?oc=5) · R.M. Edgerly & Son
- 2023-10-12 [School Committee Candidates - The Gorham Times](https://news.google.com/rss/articles/CBMiakFVX3lxTE5FemE0dl9xVjExNnZ6WktyMFZwbHhMTENRWkFxOTN5a2pEajFTLTlmanMwOWNoRGttYkVWY2YxQVZxTEliVFhhS21uMWVfbU5mQ0VWOW8yWVhEM2pvdG5ILU5xc3NGakdvSGc?oc=5) · The Gorham Times
- 2025-08-11 [Here are the 2025 ‘Best Places to Work in Maine’ - mainebiz.biz](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVHhCVm5aTnQ0S0g0QW45YVFFeWJsd0FGaVJkSGhaQmNsSFBrcFMwVFR3VGx6bTNjMTh0TnczYjdMWnF5NE8xa2FfdG0zWUpOcURqNGZmeWVsdWNkRUR4WWlHSnM4T1BGMnhMSmxnT1U4R3N5VXlTZHkwNWp3ZjkycUNB?oc=5) · mainebiz.biz
- 2021-10-13 [Dechra takes top spot in ‘Best Places to Work in Maine’ rankings - mainebiz.biz](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZlU3V055X0VYNGlzbFNmcmZzZ3l1RkVrcUk3TmVXY092MkhRQTNTdkRNZDlwTFhHMHdUakg0b1hWcHJyTEgxWHNsMlBIa3QtWEwyNFNKMTREM211WnhVb2VOWjZ4bjNNUHJGOWY5bzBybUE4NGxUcVNjMktfak5MeHNDdFViMGlWYjZPVzlkQ0ZpWlJ2amdz?oc=5) · mainebiz.biz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10100 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/52.json (key "10100", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10100
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide