# NEW DIMENSIONS
Waterville, ME · NCUA charter 11253 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-dimensions-11253

Who the members are: federal charter, community charter, organized 1956, low-income designated. 15,866 members of 252,760 potential (6.3% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $241.4M |
| Members | 15,866 (-2.3% YoY) |
| Full-time staff | 56 |
| Net worth | $18.9M |
| Net worth ratio | 7.8% (p2 of band) |
| ROA (annualized) | 0.33% (p24 of band) |
| Total delinquency | 1.16% (p86 of band) |
| Net charge-offs (annualized) | 0.40% (p50 of band) |
| Loans / shares | 94% (p94 of band) |
| Cash / assets | 3.1% |
| Borrowings / assets | 5.39% |
| Net interest margin | 3.89% (p73 of band) |
| Operating expense / assets | 4.77% (p90 of band) |
| Vehicles % of loans | 23% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 164% (p74 of band) |
| Vehicle delinquency | 3.07% (p99 of band) |
| Vehicle NCO | 1.13% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 58% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 22% |
| Average share balance | $6,865 |
| Participations bought / yr | $1.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $24.4M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $17,136 |
| Loans granted, annualized | $71.4M |

## Participation posture (from the same filings)

Bought $1.4M and sold $0 in the latest annualized quarter; $24.4M outstanding purchased (129.2% of net worth), $5.1M sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 13.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 5 | delinquency 2x band |  |
| 2016-09 | 5 | net worth falling | delinquency 2x band |
| 2016-12 | 6 | delinquency 2x band |  |
| 2017-03 | 5 |  | net worth falling |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | delinquency 2x band |
| 2017-12 | 6 | net worth falling, delinquency 2x band |  |
| 2018-03 | 5 |  | net worth falling |
| 2018-06 | 4 |  | leaning on borrowings |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | loans>95% of shares |
| 2019-03 | 5 | net worth falling, margin squeeze |  |
| 2019-06 | 5 | members leaving | net worth falling |
| 2019-09 | 4 | loans>95% of shares | delinquency 2x band, members leaving |
| 2019-12 | 6 | delinquency 2x band, leaning on borrowings |  |
| 2020-03 | 3 |  | margin squeeze, delinquency 2x band, leaning on borrowings |
| 2020-06 | 3 | delinquency 2x band | loans>95% of shares |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 | expense trap | net worth falling |
| 2021-03 | 3 |  | delinquency 2x band |
| 2021-06 | 4 | delinquency 2x band |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 6 | loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 5 |  | loans>95% of shares |
| 2023-06 | 4 |  | leaning on borrowings |
| 2023-09 | 6 | assets shrinking, leaning on borrowings |  |
| 2023-12 | 7 | delinquency rising, members leaving | assets shrinking |
| 2024-03 | 8 | losing money, assets shrinking | members leaving |
| 2024-06 | 6 | members leaving | leaning on borrowings, losing money, assets shrinking |
| 2024-09 | 5 |  | delinquency rising |
| 2024-12 | 6 | leaning on borrowings |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 7 | net worth falling |  |
| 2025-09 | 6 | loans>95% of shares | expense trap, delinquency 2x band |
| 2025-12 | 6 | delinquency 2x band | members leaving |
| 2026-03 | 5 | expense trap | loans>95% of shares, delinquency 2x band |

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

- 2020-07-06 [New Dimensions FCU moves into new space - townline.org](https://news.google.com/rss/articles/CBMibkFVX3lxTE1YcTczeXY5R2NOSElQMmw5MnB0eWp1eHE1V2JPU1JwTGo4NGhnMXdvZS1NeFFENzNlME1pZExDTHpMU3U3cEFraDdUb0QzMGctNkllb2s2SUVJamtHcTV0SnhQSzJlNVU5bV9zaU53?oc=5) · townline.org
- 2015-04-14 [Waterville credit union CEO named chamber Business Person of the Year - Centralmaine.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVTN4dHNXUDNSSDNVYkh6V1AtTnZlaC1OSHE5dnNiOXFBZEZkOUdDTWNjLXlDZTJsLUZZOU9TODVaV1B2b2hac1F5dnE3ejN0WE9hdFVPLW5RZHBMZWZBWDhjbTdVWGVoaUxuQ1ZDUW9KTkdQZUhZTGZjdUFmSHhBS2VVMm5Fck45ckFzNzdjSW5mMVRiSDVaNVRBR21wamM5aHJEb2ZXV0d5V2RScjRB?oc=5) · Centralmaine.com
- 2020-06-11 [Skowhegan grant program writes checks to 23 businesses - mainebiz.biz](https://news.google.com/rss/articles/CBMijAFBVV95cUxOOWxtRjd0dFI5ZXF0NEhPYXc0OWlxcTlsNmZzQkZPUmUxWXpxZllsUEFBdjNXNzQzbENKQUwwdVhMWVUyaDNGaHNUdHExWU5xWHF4ZWVtUm8tV1RLUmljbXhmSWNXc1BtYVlPUWpzTmNSZWMxZnhFeHVTcTU0RjBCNEQ0Tk42WURld2Z0Rg?oc=5) · mainebiz.biz
- 2019-05-28 [Jeremy Garland Obituary - Skowhegan, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQdmZLSXIzSkI5UUVqZ0tQMGdJLVptYUg1Z2VSSm9KVlFaSXF2WUVjTW1veExvM1M2cTRHQUdGWFBXdDc4TUg2c3BhYnRXYlRIUVM4Tk0yS1V3UDQ5Z2hlOEJ2eXpzLWZhaFhjcmlMZE43b3ZnU2VHeU1WVkpEVXlJajhaWDU?oc=5) · Dignity Memorial
- 2021-08-04 [New Dimensions FCU announces results of Cruisin’ for a Cure car show - townline.org](https://news.google.com/rss/articles/CBMikwFBVV95cUxNTm4zWl9CblFZUHJjNUd4aXhDQzZoNUxYQy1zbGpSUG9scFNIYnpmcWFOZzB4Q1J5TDBBMksxTGt5b20xV0Z4V3dheklqM2dCZHlMQ0pMd19HWXliQW1EVEJHMEN6MjExMnJQcFhrbWpwQUZEUTNvVWlVWkxJeW5wYTlMbmliMEtVOHhBWGlpcHNzbEk?oc=5) · townline.org
- 2023-06-08 [Northern Light Mercy Hospital hires Nan Boucher, Amanda Milliard as nurse practitioners - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMixAFBVV95cUxNRE5VR0dlU3lZd01MNHpZVDc5NDFPWlNpNjlkcEhOTFFkdXU1QTZkUDI3WUhpdGNiTEpPSWpUejRBQmhvcXhKWU85N3hNYWl3Vl8xZzNpVHN0cE9GX1o4M1lyeXQzbjJyYTNkWjhjODkxaVRKem1XNHEzMlZ4TTI0eHFnaURfcnZMX3BDOC1GV0EtcHFzd25YUV83TnVGYmplM3QxRV9oRTZSeXZPdVlPMTZVc095QmFMdmFrS2xsREpmVVFy?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2023-08-20 [Obituary: Thomas Lohnes - Centralmaine.com](https://news.google.com/rss/articles/CBMickFVX3lxTE8zSEFqUEt2QlJVQzVQYS1nQTB2TFloNTJrS3FwcFI1X1JNQmMxanNyb0xiaDB4d3ZjYWtycnp4OExmR3c5ckExY2Rzck1LT0dXRDhwWVNfTk9zejdReTJJVW1aU0NnRTJXTWZPZ2VZbHc0Zw?oc=5) · Centralmaine.com
- 2006-09-26 [Joel Harriet Obituary (2006) - Augusta, ME - Central Maine - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZkFuN01jRnJkMlBJeEt4SzdzRVRIaU1TQWxqWmE1Q1hLMWhtVFVyV1hVaHp4Z1d1dHc1bGZkSVlYTkJULU5Qc0JxWXh6SGYtelM5UjFfWFdBMzhMcnVQS0RvTXFUREtSVW9yWGFkYTNTT2YyQzJiaWFwMmY0eFFtTjIxZXRpLVZvU0w3WXdweXg4dFZwWkNyaW1zY2haanZm?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11253 (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/53.json (key "11253", 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=11253
- 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