# TRADEMARK
Augusta, ME · NCUA charter 1133 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trademark-1133

Who the members are: federal charter, multiple common bond, organized 1936. 8,110 members of 450,000 potential (1.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 92.

**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 | $132.6M |
| Members | 8,110 (-2.9% YoY) |
| Full-time staff | 27 |
| Net worth | $13.5M |
| Net worth ratio | 10.2% (p29 of band) |
| ROA (annualized) | 2.28% (p98 of band) |
| Total delinquency | 0.97% (p72 of band) |
| Net charge-offs (annualized) | 0.12% (p24 of band) |
| Loans / shares | 73% (p57 of band) |
| Cash / assets | 25.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p52 of band) |
| Operating expense / assets | 4.23% (p69 of band) |
| Vehicles % of loans | 45% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 169% (p81 of band) |
| Vehicle delinquency | 1.95% (p90 of band) |
| Vehicle NCO | 0.01% (p16 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 45% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 27% |
| Average share balance | $6,464 |
| Participations bought / yr | $2.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $21.3M |
| Loans outstanding per 100 members | 92% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $11,543 |
| Loans granted, annualized | $30.6M |

## Participation posture (from the same filings)

Bought $2.8M and sold $0 in the latest annualized quarter; $21.3M outstanding purchased (157.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 6.7% 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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling, members leaving | delinquency rising |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | losing money |  |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | 3rd-party paper>100% NW |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 4 | delinquency rising |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | assets shrinking | delinquency 2x band |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 | assets shrinking | delinquency rising |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-03-12 [Three men charged with burglary in Augusta taken into ICE custody - WABI](https://news.google.com/rss/articles/CBMimgFBVV95cUxNLTluUnRublNmeVBZc21MMHNJQUlhNkdrVkpxOHFQR3F1YjUyeENId1VFNjd5Z1hwVHVQZ1YtYl95dkxOS2daWDBCQ1RPNklnTm1JY0MyWFFQRkx6NG1FeFJDN01tdjFLSTY3Z1JLUm5uYklsSkJNNWRjYWxmWkhWaXc4a1d3TzFZaEtyT3RZbkQ4UmNPMnNCMTlB0gGuAUFVX3lxTE1VbmxSdDFBM0t0WlVZQ1Z1N3U0ZG85V2doa1FBaWYwalNkWmo1RTQ4YkxhM0RNMTVueWFSN2hmc0xEMHd4WjVDTDNqQnNWMnpNSThfUVZnd0tjTUIzOUNIZUtoVnUwem9TdzBTNDM3THFyVVE3RDhabkhXalkwTUFGVFVXWS1zd3Vob29KRFRFQkFMMlhaREsyWWhWQzZYTjBNNU5lSWZUUFJyRm9fQQ?oc=5) · WABI
- 2026-01-08 [Erin Huntley raises more than a quarter million dollars in bid to flip HD 45 - Florida Politics](https://news.google.com/rss/articles/CBMivgFBVV95cUxObDJGd21xVzl5c1ZteGpsTm1YTlhFQVVXaFAzZnpfS2RYRmZqdnY2b0VEdVRudTg3T0VaS3R2T1VCUkZwNUlWQnNZeXpWYldmLTgwb1VjNm5HM1dtbDNHQ0JpRFNHMHVyQ3ZkMC1WNnRJbnhlTEFLel9jTzJRaTZnQTlZLXNPN2ptVzA1cno3WXMycTZYdjRJb2ZXOXNFY053VTV4RzVKQnR1aHFNN3RWa0hQYmxhV1hfM3F2dkNn?oc=5) · Florida Politics
- 2019-12-06 [Trademark FCU steps into community spotlight in South Portland - mainebiz.biz](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUkljY2VCWUtnb2hyMTdjNDdLVTQ0RDVwTEFVWW1Bc1NXR2F5MmJFVWtmbGhzMmhST3hvWGtFcU9CQktqNUNYZVdjRnluZUZBREh1T3hzVkdGZk1od0RMTjJtU0VyLVMxQmRyYktJYW9zVVZSd1pyZXlOVGJibkNaYVRmckVYS1VDZm9EbzRweGZxbGdUWjlV?oc=5) · mainebiz.biz
- 2023-01-06 [International Credit Union (ICU) Day® - World Council of Credit Unions](https://news.google.com/rss/articles/CBMiXEFVX3lxTE45blN4T0pYZVBaVmdvRHZrQ3lyQVBaQ0p6ODFlRWh2S2FadjMyWFg4OV90bzFBWDVtVlBIdGdrQXdORjdzbHZXcjRZZElZNDlvM0NTRkNMUEIzaGx1?oc=5) · World Council of Credit Unions
- 2026-04-15 [Opening a new business in B.C.? The first step is setting up your finances - BCBusiness](https://news.google.com/rss/articles/CBMigAFBVV95cUxPcGxOUE41MW1vNmRTMjBWN0JVOTEyMTNnbXdRaWR3RWFBRWtzY0Z0Y3llRGcxdUNnNUxmZEVHS1phNU9Yb0VzdTZDLVZNU2JYbDh5TGJhbHRVUzB1V3FadGpRdWN5Mko1eE1UaVlhVElGOWY4UGRoRW1xNS0tSjlPNw?oc=5) · BCBusiness
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOb0VzQlZYRkxOZzhJRVpRdTQteTk0bWg2TU1GNG81MktkNTU4TV8xcEVTVF85SHJMQ0M0NG11ekFXQ1NOamxwd2FNb0I1aW8xWEFKMGJhT3NLWUNuRklnelhtWkxPY00zOW5iZkdLdFJYT09nYWYtYzlXWDJKMjBnRWtfUkRQWTFMTE0w?oc=5) · Newsweek Rankings
- 2024-10-23 ['Best Places to Work in Maine': Companies on 2024 list ranked - WMTW](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNWs4WDhRT0pESWh0MDR3NFlBZkxkX1JfMmNpR3RHUkcwdWJpVmZUbE1mNENaRTlGOW4zOGpYaVJJVGV2TFhOSjZ5bDljQUNiUHJvNVR0dEhoRDdnWEVlY244NU9rRXBLbHZ6TDluUUxOSElQcjU3M3NjTTBCTGxrdWdFX2NMQmhWUlhF?oc=5) · WMTW
- 2024-08-29 [Logix Federal Credit Union Offers Business Banking Services - Santa Clarita Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxQY2F1Z0N3Nks0TXo2WXVjZEp3eUJGWjJ6VzYzU2ZqUDFhczd5VVpsVlQ1aG5TS1hNdVdHVlFUWXhvYW05dmNrdTZmRk1TdDllNzF1T2hneEtXOElrOU90VjV4MGNNcDdZbGs5S1BpZEpBWGNvNTBxWmRla2xoT01xdFY2UTFWOU51UnJOeFVWZzBGcWd5NTNpWWh0TGF4amRtVnlN?oc=5) · Santa Clarita Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1133 (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/45.json (key "1133", 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=1133
- 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