# WINSLOW COMMUNITY
WINSLOW, ME · NCUA charter 12396 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/winslow-community-12396

Who the members are: federal charter, community charter, organized 1958, low-income designated. 4,648 members of 62,350 potential (7.5% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 106.

**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 | $45.8M |
| Members | 4,648 (-2.8% YoY) |
| Full-time staff | 11 |
| Net worth | $4.5M |
| Net worth ratio | 9.8% (p23 of band) |
| ROA (annualized) | 0.66% (p70 of band) |
| Total delinquency | 0.49% (p40 of band) |
| Net charge-offs (annualized) | 0.19% (p60 of band) |
| Loans / shares | 71% (p67 of band) |
| Cash / assets | 11.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p48 of band) |
| Operating expense / assets | 3.29% (p43 of band) |
| Vehicles % of loans | 56% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 223% (p99 of band) |
| Vehicle delinquency | 0.53% (p51 of band) |
| Vehicle NCO | 0.26% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 21% |
| Average share balance | $4,713 |
| Participations bought / yr | $393,136 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 106% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $5,893 |
| Loans granted, annualized | $10.5M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **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 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | auto monoline |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | losing money |  |
| 2017-06 | 4 | net worth falling, delinquency rising | auto monoline, losing money |
| 2017-09 | 2 |  | net worth falling, delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | margin squeeze, delinquency rising |  |

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

- 2017-08-08 [Credit Unions Donate Toys to Waterville Children's Home's Christmas Fundraiser - WABI](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdG9TVjctT3JpX0tKWkNsaFphRU1FdUVVMjR0dExIVVNjNXNZYWhialZwcGxoRGRrOXM0NlVEamJYVVpmaGNnbEhvajBfd25tbVhFeDBxUUJUcjBUeXVEYkI3UHJLTnRHNUhjQ3cwRFBGLTlwZXBBVHJENjFiSVR3ZmtvbXU2QVRoaHdkWkVlUURHZ0VzTDNMQzl2N3lXbElmNzNqTUZZamZOUzBKRzRGVWc3NmExa2FxcG9RRGhiVkREdw?oc=5) · WABI
- 2022-10-28 [Obituary: Jo Ann (Williams) Nivison - Centralmaine.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1nNllLQ2h6djFhUlZoWnV6N3ZkcWtaVWZZQ2xOcy1NRnFSY0lpd0FhVlBPalJTY2QtMHp5d2RrM1lEbjZ5ZWJJbVdJOXBzNzBzZk91Y0ZkUEZaUUNhU1pWNlVMaDBTMGduMDdjam5LSTFmZ1JReHVEeDhGNXY?oc=5) · Centralmaine.com
- 2023-08-07 [A roundup of commercial sales for the month of July 2023 - mainebiz.biz](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVU0xYjZrNmhobTNuSTljMXZVajBNdEN4LUNRdzVBajZwWERyQ2d1a3c2ZzlPeUxDbDJOZXZhdndxZGVtTW9zN1pYVlBQYWx2RTNFaTY3aC1ZMHR2ZWxtbzI0Q0dYb3NIRklsSWVlVGE4TkNQU1cyUlJpYVVFLUxaa2loQl9rLWJSc0hyUHp0Zw?oc=5) · mainebiz.biz
- 2021-10-08 [Harold Violette Obituary (1937 - 2015) - Winslow, ME - Central Maine - legacy.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQdWZvOXllV1NjZVRBQ2doeGtxTTlZbXUxSFlmTGFFVTJFc3BtX01ieUpXdlZWUndXZGhfWW1lakxjUW9Cc2RKSVFLU3h0RDVhUngyNmJhVzBmZlhVMG9JWmQ1Y01TMzBqR0tfVHl0S2FUVk45VkN3UUdOMVFhYXlFc2N4b0RHQ1A0a3Y1U3c1MzFMdlRBQ1pGRFVxWEluaFJaaExUQw?oc=5) · legacy.com
- 2018-09-24 [Vassalboro Republican Seeks Second Term in House - The Lincoln County News](https://news.google.com/rss/articles/CBMijwFBVV95cUxOVHNkajNIZzA5S0w0d0xMWG11dTlZUzY2TjhqY0hoQkQ3a2FELTBONGExLTkzTVZHWVNndW43bWE1NEY5Tmp5azY2bGI2ZTVYR0dvUVVwc1Zuc0NVYTBDSTlqcUdzNThwWTdFZ1RTVmRFcXZoSE5YbnJIbU9OdVdJOVRuRmpyLXRnUjViTEQ5Yw?oc=5) · The Lincoln County News
- 2023-11-15 [OBITUARIES for Thursday, November 16, 2023 - townline.org](https://news.google.com/rss/articles/CBMib0FVX3lxTE4yTENRZGFFYTQ1eUZQTjFTLURzcXdzRVVoQjhIdVdCd0s3XzdDMXVhaE4tSk10RndlQVVvZXY1RnB5TFRlTEcxV0lseGtUZUpZeWV5bGV6TXNJMDJNZDJiVFF2STN6al9tTk5nZnJmRQ?oc=5) · townline.org
- 2015-08-20 [Brandon Dudley Recovering After Horrific Motocross Accident Leaves Him Partially Paralyzed...How You Can Help [Video] - 92 Moose](https://news.google.com/rss/articles/CBMizgFBVV95cUxQZmo3cEpyLW5kTjJCZFJJSWkwdzNGc1BFWWJ3R0VtX3hTTlJDYVZmMGs1R2FLTHg3MWdBZ1l0OUMwSXVUU0lwTUUyYW1vT3dJMkluSEhzaGplWmpRbUExTmVYTG9LWGI4Zl9KMmo0VnNaRU9NWGg1aXJfMk9pejZIdjBXdFk1bE92RkxDVzM2b0d6YzJLQnM4QWxnQ29pOGRUUnVDZjlPYkNaT3BNVTQ2UzdpbE5ZeGJjb3pxandhZkFrazFBaVpmNnM3T2dJZw?oc=5) · 92 Moose
- 2018-03-11 [Christopher Langlais Obituary - Waterville, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxNS3g4MHRnUG10eVVuWWxsbjlEWi1yU2k4aHRHNXlabXAtd3NrbTdNMkt5Q0t5VnlSVExRVVpiYjBTc0tpYU0yVWRodXEyWXdOU1dQNHR3MzNnQlMxWGxaMld5dzFhQWU4YUpFSzRrTm1zRjdvOWFTeHFVTTZudWhFV1lMNkkySG9wb1VYZW93?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12396 (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/44.json (key "12396", 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=12396
- 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