# BREWER
BREWER, ME · NCUA charter 13682 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brewer-13682

Who the members are: federal charter, community charter, organized 1960, low-income designated. 8,561 members of 247,284 potential (3.5% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 75.

**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 | $117.1M |
| Members | 8,561 (-1.2% YoY) |
| Full-time staff | 21 |
| Net worth | $12.0M |
| Net worth ratio | 10.3% (p30 of band) |
| ROA (annualized) | 0.71% (p51 of band) |
| Total delinquency | 0.09% (p7 of band) |
| Net charge-offs (annualized) | 0.06% (p16 of band) |
| Loans / shares | 70% (p51 of band) |
| Cash / assets | 27.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p29 of band) |
| Operating expense / assets | 3.73% (p53 of band) |
| Vehicles % of loans | 54% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 300% (p95 of band) |
| Vehicle delinquency | 0.09% (p12 of band) |
| Vehicle NCO | 0.10% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 35% |
| Average share balance | $6,281 |
| Participations bought / yr | $2.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $5.7M |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 47% |
| Average loan balance | $11,432 |
| Loans granted, annualized | $35.5M |

## Participation posture (from the same filings)

Bought $2.5M and sold $0 in the latest annualized quarter; $5.7M outstanding purchased (47.8% of net worth), $311,716 sold and retained. Sold in 2 and bought in 8 of the last 8 quarters. Shares 6.2% 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 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | losing money, charge-offs p90 |  |
| 2016-09 | 3 | net worth falling | losing money, charge-offs p90 |
| 2016-12 | 2 |  | expense trap |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 2 | net worth falling | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | net worth falling, delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-03-27 [St. John Valley-based credit union expands to Presque Isle and Brewer - thecounty.me](https://news.google.com/rss/articles/CBMitgFBVV95cUxQbkNZWDVsZzZLMUJENXFaX0RRWl9hTnQ0RzRfcWM3N2NrcTNEU256ODVOT2NBb3lWSXNZRTAtdmZlaVM1NzFRbUx2bm8wSS1jbFVNeUJEM1NBUDI5cEhFS3ZyVWFCaFZGX3UtZ3dKSnBDQWZEaWQxYXk4RHhubVZSYmhPNUNkM1ZITDNOUGlGOU5ibDIwTUlpS3JFaW9MVXE3WnBEaWxwR1R4Ml9HbUM4UGtWUjhjUQ?oc=5) · thecounty.me
- 2026-04-03 [Acadia Federal Credit Union adds branches in Presque Isle, Brewer - mainebiz.biz](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNFFDR1NsVGJkcVpBbnBwV09QZG5ZOVBxbURaQnZOU3hNb0xpQ1JHM0xoSnZwUklFMVFuS0NfODMyZW1ySjg1THBVWDVGOGFnTGNoTlQ4aEptYkxqSWRNdFp4Q3BzMEdocEh1LWpWeTFOM3lOSW9xQmlOdU1IV2pqVXBYOVc0aEswRWZETjRIdDc4a1N0SlVOdzJ3?oc=5) · mainebiz.biz
- 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
- 2026-04-30 [Renderings reveal plans for credit union’s new branch coming to empty Bangor lot - Bangor Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQbmVhMUZTZlhrMEdoQW1GV180M0QzLVRNMHFMT0ZlVTNzeXFtVUF4RkpvSHQxX1ZxMlYyRVI0eTE0SnRnM0JKNWlsV2E0MHpzSkg1V0FmVGg4azVhcHRwdXRiTzFtMkdvem5FbmtzWXA4M3FMQzJ1YTBDVU5sZklRdlgwZVJ5Q09pZnlwMkNVUmxseXZIQ0R1XzlOdzBLTEJKNF9kcHZ0RUhVa3ZGU21YYmxn?oc=5) · Bangor Daily News
- 2026-04-09 [Brewer is seeing a construction boom, city officials say - WABI](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcnlKNThmcGN0Z0ZzYmtzTTNaTE5UR0FnbVRoUFJlUVFSRWUtZ05xcnhpS3l3WmpDaVI5ZHBGUGVOaXZ4NmxLcS04a1Q2NUdFZEdCT0ZBZnFuY2NOaEszM0V2LVVSN2pOYTJEMUZhVWladVVmVWVyVUw3cXNJZGFYRGNlSUVqTWNOSE1uN0FoNXlFQjRzRDRj0gGrAUFVX3lxTFBRVXVzOHVDVmZDcHdqbWNQX1JSdTNkLWxFR2ZhS3lMYzBlTHVPalp1RGxzd3VjSUNqNU1YY0tNZE8ydmJHU2taa0dHSWo2VDRrU3JHQkVzR1NMZ3NESlpiazVRaW5POGIxVWg4WVN4aUpYUHlvWi05X1N2Vk50R0F3MVdqb3R6cTYtT19wV1FsclFUNVlKVzlJWFp2US1HcUoydmVkMWpzLXY2MA?oc=5) · WABI
- 2022-05-02 [Arizona credit union sued for alleged racial profiling of Black man - 12News](https://news.google.com/rss/articles/CBMizAFBVV95cUxOd1JRdXg5WHg5MGtmMENLay1iS3p1dVpKSGh4WHlGOEFRVDc0WGhjTjdOR3M4U3lPMk8wcG9GcTcwSC1reXViZXlhdy1LOTQwY2s1UVBESlpWMFNXRnZWWUFrRElRcjVBUFUtVGt5Y3pSU1VwYzUwZ2M3V2Vvd2hBM3B1RktOTHRuOWZvYmh2ZW1lcEJYWkE0OEFTYW9TYTFILWR6M0xXN1VPTG5wUl9HS3JYejdmbHN6ZVVmeVN2WmhBcFpHaXVkYTZGbWg?oc=5) · 12News
- 2025-07-15 [Acadia FCU breaks ground on branches in Brewer, Presque Isle - mainebiz.biz](https://news.google.com/rss/articles/CBMikwFBVV95cUxPa0ZtRlpfVFBsM2hYRlgzczc1T2tWRmwwd3RELTZmZi1uRlp1VV9WcnJtUV8wY1hEdE4zY2ZsRktfbHAxTVczMzdCYXkyMnBDT1oyUmkzUlhVMC1XSFBRVzhUc0xmVGhlSHBUR0JfM2FWLTBIcU9CYmQ2amxxYmRtZWtJRkphQ0Z2Q3VpbXFCbktBUnM?oc=5) · mainebiz.biz
- 2025-12-22 [U.S. Youth National Team Defender Meila Brewer Inks Three-Year Contract With Kansas City Current - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxQMVpCTmY4THBqR2VkMG40V282cnN6NmE3NElPOEZ5MlYxSF8zR09IS0laRXBiamhSb1ljQURKUnAxTEFnUzQtUGx0dDFiZV9qN1Z2V0FiRzhvajQ2ZkdqVzFDZzZkWWljNkhKQ1ZYZ29NRWE0VE1LLUIyUm9PRllDYlVMczVxLWVrb3E0T2tkc2duS216SmFWem83QVpMVV9B?oc=5) · Kansas City Current

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13682 (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/50.json (key "13682", 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=13682
- 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