# DIRIGO
Lewiston, ME · NCUA charter 11144 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dirigo-11144

Who the members are: federal charter, community charter, organized 1956, low-income designated. 28,620 members of 1,020,803 potential (2.8% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $494.9M |
| Members | 28,620 (3.8% YoY) |
| Full-time staff | 76 |
| Net worth | $50.0M |
| Net worth ratio | 10.1% (p31 of band) |
| ROA (annualized) | 0.35% (p25 of band) |
| Total delinquency | 0.70% (p59 of band) |
| Net charge-offs (annualized) | 0.20% (p28 of band) |
| Loans / shares | 85% (p76 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.84% (p11 of band) |
| Operating expense / assets | 3.10% (p26 of band) |
| Vehicles % of loans | 41% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 277% (p90 of band) |
| Vehicle delinquency | 0.21% (p17 of band) |
| Vehicle NCO | 0.06% (p11 of band) |
| Repossessed % of vehicle book | 0.02% (p55 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 33% |
| Average share balance | $7,298 |
| Participations bought / yr | $777,476 |
| Participations sold / yr | $0 |
| Participations outstanding | $34.9M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $20,646 |
| Loans granted, annualized | $112.7M |

## Participation posture (from the same filings)

Bought $777,476 and sold $0 in the latest annualized quarter; $34.9M outstanding purchased (69.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 8.2% year over year.

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2026-02-12 [Dirigo Federal Credit Union opens new Scarborough branch designed to deliver a modern, member-first banking experience - CUInsight](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQZ2w4MkhHeFZ6OXNSaHVoMF91NW40X3VKM1FiY0k4X2VtX2lwaTBadExobVFMYUxPeFRfQ29qY3hMY2wwMjUyUG9Nbkd3UzNiSmwxa2hOV2R2QXl4UXQ0Qm5VZTFaTGdaV2JIMUFPUFU4TDVHNkpNUjRyV2pEVmQxLVIzQTItTThlMTlieU9tZlFiWVpHV3FLZnBkT19kWVlfQ2NqY0pmbDhjOWNjSkwxWHVMU1Q2WUs1dVBvZ1YxYWUwcmEwTjlDTnFMZ0F5cEFhQWNzZkI1NnRlWm1GZ21qdlpsMkltLWhVY3A5cjRYZw?oc=5) · CUInsight
- 2025-10-30 [Dirigo Federal Credit Union taps Scarborough for its fifth branch - mainebiz.biz](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZmFZN25vc1BSaGtUWmJHeFptQzhyOExaQ3lIeFZ4eUUzdmFDcEl5MFMybkNidWM2dS1aeUZYdFdfUGxYSFlXbUFVSHVMMTNRaXJjWklOdUZNRlZFMUdTd0JPazRPNTBrUjJrWDJSX1ZDb01LRGdEd2NlSXMtYUJVaWd6aDlEYWdZa1BfMm13Q1ZQRWFEMGVVR080bw?oc=5) · mainebiz.biz
- 2026-01-28 [Hebert Construction completes credit union branches in Lewiston and Scarborough - mainebiz.biz](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQm9QamQ2Vi1lSmh5TnZHTVZuYzBHbHgwRmJ0SUFnYlBSelROb1pEbkxSbWhTb2VqMTdZYkJGRlRRc2hteW5HSHdOa3BFbVdCaGV1Z2hRMzdSS2JiQkdfS3dkTmJCd3dCaGVjdzhodmFRWC1yMjVPcXI2RmVTV3VkblY3c1EwSnBBdWwyamYwMzlJVXkzMVlpXzJBcnp1VC1ZNkNnMDRBbnlua01CX2c?oc=5) · mainebiz.biz
- 2026-05-20 [Dirigo softball rolls to 10th win amidst dominant start to season - Sun Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxPWWJFblI4RWZZcFdhM19xRUN0V0NxMEJfUnM0SnprbG54bnIyS1VPSXB3Q3pHYTdKb2VTSVlBR2JscEl0ZGFONGc0aWRTcmlvT2w5c3pZOEcwLXNWdkJyZUQ5WnEtTm0wYW9RSDktdTA0dnVnX0M1MndqbFJxU19FSzcyZzZLRW9BUDhkTkdBbElCOXVubnR4akJhcFRFTHRlWVRINXVBaw?oc=5) · Sun Journal
- 2026-06-18 [Dirigo softball has belief in itself heading into Class C final - Sun Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxPb0RrbVBKWE43T3FCLVFsTzE4eGoxNG5YRjk0TUVJREd4TzlGSVpFYXY2cU5hQ2lBcV8zWENqMzd2UTJrVnlLR2RyQy1rQ1RwTFktU1B3YnMzekQtMjl1M3JhM3ZFMF9Wb3NnVlpyeWc3UjU4TWlKX1p4ME5oVkV2Qk5kR3VyTGR3MjhoaldyeDFibGE5OHhRMzR0Rkt2ZE1CakRJTw?oc=5) · Sun Journal
- 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
- 2026-06-05 [Dirigo Reads partners with Governor’s Restaurants to give books to kids to celebrate end of the school year - thecounty.me](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPRFRLT0RITmZySWxsRmVTdUM3Z2xWSWJYZzRpWkktaUNZWHFRRWdBT1gwWkgyMGszcERiTzhoVnpCY3NRMkh1OEVDTE1fbTYycVliYmdVUXJVS0x4dlk2dW92elkyYlR5TDBTRUZET2IwdXNWMThlZXZKM3lSTkkxWDEzWTFzSmYtSENaZlRtUENDV01ybGNaUDdQQmdLc3NHcWw1cGwyTVBuTzR3VkRTcERhZV91dE85YWl3c2l3U1ozZnVzRmZ5YlA3LTJFWnd1dUo1NDVlZ094czdnbk5nLVVUSlY1dzg?oc=5) · thecounty.me
- 2025-10-24 [Freeport football surges past Dirigo in second half - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMilgFBVV95cUxOOG1ISEpaS2lqdUdnalZnUE1zNmU5XzNUMGNEUGpkbVV0UzNfeGFIbmxlY2ZDa2IxLU5CSWNsWXBzYUdQUDRGUjRBYmVtWkItMHVGZmJPLXVFQ2VDR0RKX2pNekl6eWI3eE1SNmJGQndVeG1kSE53S3hLczRGdUZaaTNNWnpVMHhpMUx3YWt5QTNMb1lkU0E?oc=5) · Portland Press Herald - Maine Sunday Telegram

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11144 (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/8.json (key "11144", 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=11144
- 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