# BANGOR
Bangor, ME · NCUA charter 10939 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bangor-10939

Who the members are: federal charter, community charter, organized 1956, low-income designated. 15,712 members of 247,127 potential (6.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 86.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $291.0M |
| Members | 15,712 (-0.1% YoY) |
| Full-time staff | 42 |
| Net worth | $24.6M |
| Net worth ratio | 8.5% (p7 of band) |
| ROA (annualized) | 0.84% (p61 of band) |
| Total delinquency | 0.31% (p22 of band) |
| Net charge-offs (annualized) | 0.17% (p24 of band) |
| Loans / shares | 65% (p32 of band) |
| Cash / assets | 35.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.02% (p19 of band) |
| Operating expense / assets | 2.83% (p19 of band) |
| Vehicles % of loans | 46% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 277% (p91 of band) |
| Vehicle delinquency | 0.26% (p22 of band) |
| Vehicle NCO | 0.25% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 32% |
| Average share balance | $7,634 |
| Participations bought / yr | $898,476 |
| Participations sold / yr | $0 |
| Participations outstanding | $24.1M |
| Loans outstanding per 100 members | 86% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $12,812 |
| Loans granted, annualized | $53.4M |

## Participation posture (from the same filings)

Bought $898,476 and sold $0 in the latest annualized quarter; $24.1M outstanding purchased (97.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 3 | thin capital, net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 1 |  | thin capital, delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 4 | margin squeeze, delinquency rising | net worth falling |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 2 |  | net worth falling |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-05-19 [Bangor Federal Credit Union Ending Hunger Yard Sale - Maine Public](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNSDlCNVJNdEhOaUdvNDFlRnFjTV9YdXY4SURrdDFMMVkyUWJBaFNROUNmdFFCRUZZbTVhNEFhaEFGdFVSbjNzcXZEWUNPMTNwbDFUT1R0VjI3ZTY0RjN6Tmt0Wi1TRng1N2pOX0tJSk1IQURQZ0t6Zmw5V1NjbERoYTMzZnMtN1RyU25MWVJkMXI5TVEyc0lhdkdJT202SVlPYjN6T1BTZXVfaHNxeG9hTS1vSFAwTlBiSTVqakF3azdzdw?oc=5) · Maine Public
- 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
- 2026-05-11 [Bangor-area Credit Union group 5K Color Run to benefit Children’s Miracle Network - WABI](https://news.google.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?oc=5) · WABI
- 2025-12-17 [Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOFZxMXZybnh2V01ISTNpaFFJU0R4M1o4RllmMHlkRTZmLTJNanlRTWZBa210Rk5Ld25sMzNOWGcyUHViTEFTSVhoeUx0SnpMSENMNld4TkExVUlndW1mai1VbzcxNzhnblZjZFJXTlJyQzBacldMNElia2R1ZlpDZ2lvYVZfdlFIWW1z?oc=5) · Newsweek Rankings
- 2026-03-27 [St. John Valley-based credit union expands to Presque Isle and Brewer - thecounty.me](https://news.google.com/rss/articles/CBMitgFBVV95cUxQbkNZWDVsZzZLMUJENXFaX0RRWl9hTnQ0RzRfcWM3N2NrcTNEU256ODVOT2NBb3lWSXNZRTAtdmZlaVM1NzFRbUx2bm8wSS1jbFVNeUJEM1NBUDI5cEhFS3ZyVWFCaFZGX3UtZ3dKSnBDQWZEaWQxYXk4RHhubVZSYmhPNUNkM1ZITDNOUGlGOU5ibDIwTUlpS3JFaW9MVXE3WnBEaWxwR1R4Ml9HbUM4UGtWUjhjUQ?oc=5) · thecounty.me
- 2026-04-30 [Renderings reveal plans for credit union’s new branch coming to empty Bangor lot - Bangor Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQbmVhMUZTZlhrMEdoQW1GV180M0QzLVRNMHFMT0ZlVTNzeXFtVUF4RkpvSHQxX1ZxMlYyRVI0eTE0SnRnM0JKNWlsV2E0MHpzSkg1V0FmVGg4azVhcHRwdXRiTzFtMkdvem5FbmtzWXA4M3FMQzJ1YTBDVU5sZklRdlgwZVJ5Q09pZnlwMkNVUmxseXZIQ0R1XzlOdzBLTEJKNF9kcHZ0RUhVa3ZGU21YYmxn?oc=5) · Bangor Daily News
- 2026-06-26 [Bangor Federal Credit Union’s Ending Hunger Golf Tournament - Maine Public](https://news.google.com/rss/articles/CBMiywFBVV95cUxQclF1RFVCRTV5clAtelo1VV9Wb0ZvdE5YTDlrdG9qeVRveE5IZ1JVWDA0UUV3NnJVU0ZScnFpZnJRc0lUMU9vOE9ybkpzOXhXZkY4UDlDeUNLYU1tdXNzTVAtOWd3cVpEaVhFZURJcnFQdldzaGpGdFdndzNXZXRYZTFnVHpBZGFfNElXS1JRLVUtYVk1OHJ1aHJHOEpFVGJyaGdnOWhRZ2p1U3ZVUFFhbTVzUUx2LWphY0xWYnFJdF9JUHJVMG0wRWd6RQ?oc=5) · Maine Public
- 2026-04-21 [Bangor Planning Board discusses new property changes - WABI](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZmg0V29uQS1DdjBGejk4TURxOUIwUV9hY0dIYjJMQ3NLU0I0UmJNMUFjZnZwcllqOFh2dkl1RlBUMWN1ai1qRTBzS2lKSkVnWDdiQjBZcklmaXd1N0JXNXFISVFOQVZ4enlHcjh0bzIySXBvMEFVM0lmdFBiNzcxaUlxeXBZYTVKNVVtWdIBoAFBVV95cUxNUGlxTlRERUZSR3ZiMWdsbzNLOE4ySWRXNldUdERIU0VlaDE5MGM0OGZWOTc1N3BycU0xa0Z3VEhWaUk3WDNfSV9VdENkOXk5blVWSVdvQnRicTBIWFR1TDgwdHlCOEhyb21fXzJ5anNRZUM1RFFhcjRBYmlNVG5aS0lmbGE1UHQwZmlJWnNpcm9uY2pJR2gxWXBaZURqU3BW?oc=5) · WABI

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10939 (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/59.json (key "10939", 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=10939
- 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