# MAINE SAVINGS
Hampden, ME · NCUA charter 14565 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/maine-savings-14565

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 42,905 members of 150,000 potential (28.6% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $852.0M |
| Members | 42,905 (3.5% YoY) |
| Full-time staff | 171 |
| Net worth | $66.1M |
| Net worth ratio | 7.8% (p6 of band) |
| ROA (annualized) | 0.49% (p39 of band) |
| Total delinquency | 0.99% (p77 of band) |
| Net charge-offs (annualized) | 0.40% (p49 of band) |
| Loans / shares | 86% (p67 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 2.35% |
| Net interest margin | 3.66% (p67 of band) |
| Operating expense / assets | 4.09% (p74 of band) |
| Vehicles % of loans | 23% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.98% (p75 of band) |
| Vehicle NCO | 0.72% (p42 of band) |
| Repossessed % of vehicle book | 0.02% (p41 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 92% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 31% |
| Average share balance | $8,195 |
| Participations bought / yr | $461,824 |
| Participations sold / yr | $2.6M |
| Participations outstanding | $22.6M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $23,889 |
| Loans granted, annualized | $141.2M |

## Participation posture (from the same filings)

Bought $461,824 and sold $2.6M in the latest annualized quarter; $22.6M outstanding purchased (34.2% of net worth), $57.8M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | leaning on borrowings |  |
| 2017-03 | 2 | net worth falling | leaning on borrowings |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | leaning on borrowings |  |
| 2017-12 | 5 | delinquency rising, members leaving, loans>95% of shares |  |
| 2018-03 | 2 |  | leaning on borrowings, delinquency rising, loans>95% of shares |
| 2018-06 | 2 |  |  |
| 2018-09 | 5 | net worth falling, loans>95% of shares, leaning on borrowings |  |
| 2018-12 | 4 |  | members leaving |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | net worth falling, loans>95% of shares |
| 2019-09 | 3 | loans>95% of shares |  |
| 2019-12 | 2 | delinquency rising | leaning on borrowings, loans>95% of shares |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 1 |  | delinquency rising, net worth falling |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | delinquency rising, net worth falling |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 3 | net worth falling, delinquency rising |  |
| 2025-09 | 4 | delinquency 2x band |  |
| 2025-12 | 2 |  | net worth falling, delinquency 2x band |
| 2026-03 | 2 |  |  |

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

- 2026-06-10 [Maine Savings welcomes Peabody as vice president/mortgage lender - Bangor Daily News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOSF85QWc0Q1owR0l3ei0tWjR2OEVsaDM0T3VzZWUzZDB2MGloQVU2RldkUnFQSS0xRWtlSzBGZWhhTmktN2VqLWdhVXJpTm1OZWJFdzRvcm9CNnBpbGtwZF96VEtQRlg0Q1JuTDdsQkJ6Q0U0TXI0LXRFSXoxQUFhX3A1b2dMbTBTd2lKLUstZ3BJY2tIbEUyb0ozX3gxY0I5VXQweFdLeXFGWFdCcmI5Wkc1ZXRmVHJ2Nmc?oc=5) · Bangor Daily News
- 2024-06-20 [2 leaders at Maine Savings FCU take on new roles - mainebiz.biz](https://news.google.com/rss/articles/CBMihAFBVV95cUxNUEhDcFc2UlNGQ0tDbU5yemdCWFpZZEw4R2s0VjEzem1CVkpfa1ZaYnBic2dWNExCOUo2SlJVQkhVQW9OMFhZd1dUZlV5dWl4MXNlSjROS1Fwb1RzQV9JRUxpNWh5VDc0a05WRi1Cb1hfMDZSYkkwa3d1bFVPVTJwdjRyZkw?oc=5) · mainebiz.biz
- 2024-11-01 [Maine Savings Federal Credit Union announces new branch - WABI](https://news.google.com/rss/articles/CBMikAFBVV95cUxNa1Jja2NfS1pWNU9NWDJqdk5WTnRLN3ZKelJiaktYU05iSDYxMzhhWVlBejdfUks3UnZWSUVMS3pWNFJUMnhpaXZYWEZ4cjJ1R2FaSnVVYWJBVVRaTS1oZlRpQnl4dFFBNmdVTHpUOW13TWVhWEJib25ibXpZREtqeGs2ZHFHd082YlVKQ3BpaETSAaQBQVVfeXFMTnlvX2dUYTVxSmlyd09WUk1JdHotT1lobENheFBpbHlOWDIyT2l4UkNWdlkyNnkxSDN2YjBVWjUxQU9xQkJIekVWSVRzbjBMWFlNbTA3QXJRdTNhbWdmYmtCWkVjelFCcUh6QWt2T0h6UWFRQ0N0SS0xeGRoTXpnb2VKU2RuZXpPVi1OV0F1S2hTZXpFNWZfcGhJeGdYT0hWa1lwVlk?oc=5) · WABI
- 2026-02-02 [GODSMACK announce "The Rise of Rock" headlining tour - Revolver Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWmk4cW03eWc5bXNCbFpmeEVSdGdJREREQ2Y5Uk40ci1peXRuRnRfdTJHQ0ItbzhUck9nZzhwSWRvYzY0VTNhdktadnJNQW1ZRzcydWJYMTEwVnZhMHV5Y2J3RDRZT0x4Y2EwYi1KeEd4RTZwOVZ1QUFxa1pEWk1sVnRGZ2NhSU9Td085QUtGdw?oc=5) · Revolver Magazine
- 2025-09-25 [Maine Savings Federal Credit Union promotes Fournier to senior vice president of operations - Bangor Daily News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPSllCUGZYWmJsUVR0MmVlcHhGRnJrVVpSM25lUHhTQW1TSlJKR2cyclA0VmU0ZjMwa3JhaEk2VXJQYk5DelE0TTNGa0xPbjBaeGVKSXF2Z2g5Zks4MFM4X2x3NENFVEI2b2Nnd2tJeWxWem01azhVbXh1bDc5bFU4amhEcHhtNlNLQkZOXzBneXVJemF3dTZCZWh6TnJIYllBazVwQXBPWWx5NnpyUGhQTkxjR1ZiUEhMbHdNT1RoZDBwNGEtQ211MTNmMEZtS3VlbGc5SXhXYUNNSmkzR1E?oc=5) · Bangor Daily News
- 2026-05-23 [Hank Williams Jr. Hits the Road This Summer With Joe Nichols, Sammy Kershaw, and The Marshall Tucker Band - That Eric Alper](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNcDhzSmxTVk4tVUdYNkVYRjBnN0FCWER0ODBmd2ZkVUFmRExFbWNGN2RCUHlZM0ZQaU1PejZDRjhHaF8zTnBlZ053dHVrSURNQ3J3NFpZMExQZlFFTWtxR2tDOVFQQ2hUZVFjQ1hKMklZSEt6LXRYZHdxY1dfR21vREV3a2lWUVJsdU43aHJnZ0RYTHg3dHZlYUNJUTgxUHN3NW5OUjFDSFZURDRMdHNGZEpDU1hWVDVTVUFHTkF1eUdhaXpXeWpjM05henZGaDNwdkxBblpiYWRIWXlp?oc=5) · That Eric Alper
- 2026-06-19 [Sunny Black Releases 'Single Wide' 3-Pack - antiMusic](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVWhwN0lrUU1QNGJSMVhnSnl0bWtNX25MdUNybUlGa0J1Q0lfeU1fSkx3VHk5dldvd0lLLUtwMFNNYi13YVBqSjVzMzlXWHJCOE5ocVJPRXc3aUlCTFM0elhyUjFUTHZkTmphcEJqS29MR25MU0Y5cmFOZVpUNjI3aDd4NkNXUW9N?oc=5) · antiMusic
- 2026-01-27 [Kid Cudi Announces ‘The Rebel Ragers’ North American Tour: See the Dates - That Grape Juice.net](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOb0RXV0RZVUk0N1dDMkY0bUtpVTVodXVXMUdvSlVwdHU5bHpiRkxIY3hNV3A5bzB1SWVUVkxubVgwaEhiMzdSejNKX2dYSWNMNFlKenlPV2poU1JKM0JPNl9mVUpSbXBKb0hhSDJhWElPSHdLM09yS3VXNEgwLURIUDNNWmZvbkI1Wlg3bHJ1ckRoWFNpcm95OWhkUGpTb3lTOEhFcXR6cnDSAa4BQVVfeXFMTUhYT2d4T2tFNDlxOUlJZXFuUlFjZEFMRGVzRVllZE1sQ28yYlVWRmpvNlhaZFFHdWI0R1FUT2hsazZ2YmgtSEMxZFY3b2M5R0lCX1R3WERETENEbmppeDExQzBEc1JlSTZyMDlDNTRwQkFNT1FQN1VkTHV4ZFFQUlJxSjhmb0N2eGU3WFlIOTkteHQ3Qk03Y1hTRWtxX2tjQ0tCSXVxS0RhNHQwejZB?oc=5) · That Grape Juice.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14565 (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/37.json (key "14565", 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=14565
- 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