# LISBON COMMUNITY
Lisbon, ME · NCUA charter 13190 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lisbon-community-13190

Who the members are: federal charter, community charter, organized 1959. 10,474 members of 100,000 potential (10.5% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $211.2M |
| Members | 10,474 (1.5% YoY) |
| Full-time staff | 34 |
| Net worth | $23.6M |
| Net worth ratio | 11.2% (p50 of band) |
| ROA (annualized) | 0.80% (p59 of band) |
| Total delinquency | 0.26% (p18 of band) |
| Net charge-offs (annualized) | 0.16% (p23 of band) |
| Loans / shares | 53% (p10 of band) |
| Cash / assets | 50.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p23 of band) |
| Operating expense / assets | 2.90% (p20 of band) |
| Vehicles % of loans | 25% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.48% (p44 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 21% |
| Average share balance | $7,772 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $19,686 |
| Loans granted, annualized | $21.9M |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | net worth falling, delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-04-01 [Lisbon residents plan Faye Day honoring beloved community volunteer - sunjournal.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPSXhCTFB2dVRuWFNOWkpMN21janVDSVFFaEdVTk0zZ1RmWldrcGtma2ZNTHVWZ25OemZFU2psZmF1Q3lwZFRSNkFkZzl5MzU2TFNhZUM3VjZ1dVUwT3htcWxOVWdDMTRFdVZCb1dqTjR0WFNmT3pXUmZrZExZcWdoSEFlUy1oeU5HakEwcUREV2RoNDVSZVNoRlFrMHhjSGFpeDM4bXdMZG5TUQ?oc=5) · sunjournal.com
- 2023-11-29 [Doris Ham Obituary - Lisbon Falls, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPTGVLVkRtTVVSb0R4VTNNRnFMelo5RmtKUkE5YklHQ3U2MW5CU0E4QzNoS0pUS2dIUTQ2YW5UU0tnVlNMdHh4NnExRWlHUEwwNmtjZ2JwOXR4ak5sa1pTUzB4RGQxdVBoOElmU2pQbVdZNXFzZ1VuYS16M1pLSUxXdEJiYw?oc=5) · Dignity Memorial
- 2018-03-12 [Ryan Case Obituary - Lisbon Falls, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeUxqNFd3N09Dem1uQnFtMHE0Q2F3V2RFMHQxMWxlYUY3WlBPNEFQV2FfcS1lWnZOTnRneGNzYXNETmZHdWkyUWxVTEY4aXhqN05qXzBpanRpTDBKaEkxRFY5cXB3dV8wSllrNGRuYUFPNXRiOXpHMVc0VXFvbnRPLWdR?oc=5) · Dignity Memorial
- 2022-11-25 [Brandi-Jo Storman Obituary - Lisbon Falls, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxPbFZwekt4UVh6eFFxSjk4Vy1DZWUwLVg1RmNweGRoQ1VScVVFN2wwcXVIMklZQkJoNXFwd3hjNG5LbndzSnBQZnhQSW1XRVFMMi1Vd2xLR2s1VWtvNGxsamVVZVVrUm5JaEJEWGlRRjMybnpWYVE4c3g1WUoyd2tiRTZxNG50NV9JQXNWZy1n?oc=5) · Dignity Memorial
- 2022-05-06 [Oland Easler Obituary - Auburn, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBJQy1BTHBqbWliTWRuNDgtMW1BZll3TWJ2Q0VWMnZWcUNXQjdVZk9Va0ZULV9FSlJvYUR4X0U0amhZLVAyd2pDb3NfYnB1WUpzSU8yemx2N3dCU1cwX0ZiODB3S0NHVG5jVnRqY3k2UThEQ3hoQ2hrYnlzT2xpN0E?oc=5) · Dignity Memorial
- 2011-12-30 [Andrew D Durisko Obituary - Lisbon Falls, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPY21kaDBRc2NOV21hXzJhWGxfVUhETDEwclVGbVdjVHBmV3Q4M3BmWkF1ejdWR0dtRm9RV3JQQ2ZKSEdNRFdwRElKbGwxV25XNV9kX2RMRF92MnA3V1BkM2NTVlRwN0dTT2dBdG5CeDNxTUtKeVhkMjNqOVhhODBnclRXMnUtS2RfTHFB?oc=5) · Dignity Memorial
- 2010-12-17 [Norman Purinton Obituary - Lisbon Falls, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxQeENBOEVST0Uza2lRQWs1bWJOR3Qxbmx6NDFOTFgzN0dCZGtXLTVBTXExazlITG5xa2lIS1hQUVZVb0prTGFQU3lRZjJ4N0pmY2thakc5b0RaMW5wRHNaVWRqTTNXc1RKUDE2Y3RuNzJaWjZSRmhtaEk5UlZ1c2pqT0JEN2hWblBnZnc?oc=5) · Dignity Memorial
- 2019-05-23 [Jeremy Ciarfella Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQS1lqNm9kQnJWVTBMZ01zTjVMWktSZVQ1c2xPYnZDLVdDNW1SOWdjdE03cGxwTXpxWWxHWFNlZ0dBaEtFQ2FKck5DdGk0TkJ0bzhOTUFqUjZmVUF4VGtQSjF3TGRKcmRxazdxRWNVWUVWeXlrNFpyUmhuT3VRcl9CaDFVOUpXZw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13190 (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/6.json (key "13190", 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=13190
- 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