# THE COUNTY
Presque Isle, ME · NCUA charter 10794 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-county-10794

Who the members are: federal charter, community charter, organized 1956, low-income designated. 32,258 members of 991,651 potential (3.3% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $520.3M |
| Members | 32,258 (4.0% YoY) |
| Full-time staff | 108 |
| Net worth | $56.2M |
| Net worth ratio | 10.8% (p57 of band) |
| ROA (annualized) | 0.47% (p35 of band) |
| Total delinquency | 0.49% (p40 of band) |
| Net charge-offs (annualized) | 0.20% (p21 of band) |
| Loans / shares | 80% (p44 of band) |
| Cash / assets | 22.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p39 of band) |
| Operating expense / assets | 3.46% (p44 of band) |
| Vehicles % of loans | 50% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 301% (p90 of band) |
| Vehicle delinquency | 0.42% (p36 of band) |
| Vehicle NCO | 0.37% (p23 of band) |
| Repossessed % of vehicle book | 0.16% (p76 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 49% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 31% |
| Average share balance | $6,987 |
| Participations bought / yr | $5.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.3M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $15,934 |
| Loans granted, annualized | $101.7M |

## Participation posture (from the same filings)

Bought $5.7M and sold $0 in the latest annualized quarter; $28.3M outstanding purchased (50.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 6.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 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 | net worth falling |  |
| 2018-09 | 2 | loans>95% of shares | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | 3rd-party paper>100% NW |
| 2019-12 | 1 | 3rd-party paper>100% NW |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, members leaving |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | members leaving |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-09-02 [The County Federal Credit Union employees graduate from intensive leadership training program - thecounty.me](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQTkJ4Y0xCUmk2RGpTZ3lHeHlrRndBaEhFXzVBc2JNQTZTc2ktWC1vTHl2SnMwdzN6d1V3NXNKSUhPYmltMWxFSG5oM3BhQmNOMm9CTzR1RWI2NXdwbHRZOFZWcWhWMkEwYXRSbEVDVGQxcENJOF9wLXZHVnlCaEVEZEdrMGtqT3BaTldJUWJsejFwNUNDSjFkdm00SFBzY3RrbGltNFB4eVJFTXdBV0k3cldrM2xQT3NSRmZRVkN6Q1FIQ3pfSFl2NllBNDV6X09pcGF6dUVB?oc=5) · thecounty.me
- 2026-04-23 [Credit union will build new branch on empty Bangor lot - Bangor Daily News](https://news.google.com/rss/articles/CBMiowFBVV95cUxNS2phTWJDakVoMThqaTBLb2ozTnIzSEpOZXlLdnpiOFBBbGNYNzRQbEJiam5oYU5zcVBrenRCYmdYaDQzanhMSEdKa0Z6VWZpemZBX0dMTXBzZ3JyeXE0b19ydGlPWmVHQXNET2VRZ0JlQnJFblc2Q1Z6Y0pUcnBCUTRLblJrNEV2RzdMOHE4V3laMDBwd3hYRXNOSklmdkZ0dzc4?oc=5) · Bangor Daily News
- 2026-07-02 [The County Federal Credit Union welcomes new faces - thecounty.me](https://news.google.com/rss/articles/CBMingFBVV95cUxNRUZXemphZEZ0Q0YwUjh6a1J6OHROZXhCanlROUpHVDk1ZkpRQ05UcWIwdkl6bEZvM2dFTkllTG1vTzZ4UnRhYktmcE1iZXkxLUx1VmJzZ3l5U2ktMmVzcUVMcS03WF9mX1A1RXh1YXlYZzM0MVFoTXluVTZVVG5XMzMyY0c2TjdDbjRFak9DRU5lVFJUOVRlZU9wUXJmZw?oc=5) · thecounty.me
- 2026-06-25 [The County Federal Credit Union awards second mini-grant - thecounty.me](https://news.google.com/rss/articles/CBMipgFBVV95cUxPb3F5dF9DV1dwbzg1M1pUeXRsVEhKYTlZU0xzbk5Ea1d2YzBuZ0Y2V1g0Ti1aZ0xZWDVWMnJ4TnIyZEp3aFlhTGVJZUU3b05XTjlrQ1NqbnhPeVd1bXppM3ItdTVLdG1MLXRvZ3IwdmtaUHlseTduQ3ZJcDdRVmRyVnBtdS1STW4xZWZIMzVPV241OThCNDg3SWhncDhBME9zWGJvZFlR?oc=5) · thecounty.me
- 2024-09-27 [The County FCU names new retail services manager in its northern service area - mainebiz.biz](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSkl6MVVudDdvajVIZ1NaTnZNV0ZyaWJtY1B6bGt1blJybG16Y2wzRmFZVXRQeXB5SDY4VUcwd090RFRZS0Q0dTJ4UmhKZm9OT2g5ZWRVNHc5eEZaMGFsMDJuWTFobHlsVkhKbTZmUmdJYmd2MElrdmVEQXdaTUVKazhHcEZxTUx5MjZ2WnNYQlgza01TR052aDB2ZGZ0Rjk0M0s3ZkVkNy14cG8?oc=5) · mainebiz.biz
- 2026-06-29 [The County Federal Credit Union donates $50,000 to Northern Maine Community Trails - thecounty.me](https://news.google.com/rss/articles/CBMixAFBVV95cUxQd1p6OVh6LTd1dU14aXF1dGJvaF9pQkRoYnFLT1hvNDJsOU8yUXp5eFN2X3ZPVTV1THE1ZS1zMEk0aEhQVGNIMXdfOG01MS1Qb2h3MDRHaTBMR215RjdlVlJKTUFkMnlFVlUtVDJGX2RFX2lOUTBndzg4dWxZUEU0VnM5RWg4TnlkQ2tjU3pfanh6aVpNdmRJUWlodjFmWHRMd1RhNDRBQlVWcVM3Umo3MkFLa0k2Skh1VHFxdGtBVnlyUjNn?oc=5) · thecounty.me
- 2026-01-08 [Financial services: Aroostook-based credit union eyes continued expansion - mainebiz.biz](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSUF0bzJXMTVDOEpMYVlMMFNVNEI1c2R2T1ZsRks3UVl5ajZrbVZVWkNoSFp4SVJYZWNtVUdCbGxxbG9sc1BGaEhLRzdsc0tSb0N1aDJWWklVWkVKX2YydmtFeFdhcnN0RjZPQ2RTVldycVVkQ3YtVDNwcUxBai1PLUZ1TnoxZW9CcWdxS3Y3amw2SXkweUNUOFBwYXdjbUd3NUZPMg?oc=5) · mainebiz.biz
- 2026-06-06 [The County Federal Credit Union awards scholarships - thecounty.me](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZHUwWFkwdFhRT2Z6NF9ONFA0TjRQRVVjTVVuU2lIaVdJWDV0WmhiMXlnUjJwbEN5X3VnckNpcFlEU2NDUHktaUJId3VjR2hWUVZZc3pfTnNHT1dKV2NxeERoZjJEUW1jY1dHRHJEbXBIWFFObVQ3UlJMalBqbXVjRFNsYkxUSWRPb0xIa2JXT0NKLVVadExlRVlid1ltLTZi?oc=5) · thecounty.me

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10794 (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/42.json (key "10794", 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=10794
- 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