# HOWLAND - ENFIELD
HOWLAND, ME · NCUA charter 14211 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/howland-enfield-14211

Who the members are: federal charter, community charter, organized 1961, low-income designated. 1,594 members of 52,200 potential (3.0% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 69.

**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 | $7.6M |
| Members | 1,594 (– YoY) |
| Full-time staff | 4 |
| Net worth | $527,891 |
| Net worth ratio | 6.9% (p3 of band) |
| ROA (annualized) | -0.06% (p27 of band) |
| Total delinquency | 0.40% (p33 of band) |
| Net charge-offs (annualized) | 0.14% (p58 of band) |
| Loans / shares | 64% (p66 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p60 of band) |
| Operating expense / assets | 4.57% (p79 of band) |
| Vehicles % of loans | 43% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 38% |
| Third-party paper % of net worth | 144% (p98 of band) |
| Vehicle delinquency | 0.80% (p59 of band) |
| Vehicle NCO | 0.39% (p79 of band) |
| Repossessed % of vehicle book | 0.03% (p89 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 8% |
| Average share balance | $2,982 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 103% |
| Average loan balance | $4,132 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, 3rd-party paper>100% NW |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14211 (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/3.json (key "14211", 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=14211
- 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