# K V
Augusta, ME · NCUA charter 15328 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/k-v-15328

Who the members are: federal charter, community charter, organized 1962. 10,948 members of 178,561 potential (6.1% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. 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 | $138.4M |
| Members | 10,948 (-0.2% YoY) |
| Full-time staff | 21 |
| Net worth | $16.9M |
| Net worth ratio | 12.2% (p57 of band) |
| ROA (annualized) | 1.22% (p79 of band) |
| Total delinquency | 0.07% (p5 of band) |
| Net charge-offs (annualized) | 0.29% (p45 of band) |
| Loans / shares | 66% (p43 of band) |
| Cash / assets | 31.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p66 of band) |
| Operating expense / assets | 3.42% (p42 of band) |
| Vehicles % of loans | 45% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 97% (p69 of band) |
| Vehicle delinquency | 0.16% (p18 of band) |
| Vehicle NCO | 0.67% (p59 of band) |
| Repossessed % of vehicle book | 0.33% (p91 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 15% |
| Average share balance | $5,608 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,603 |
| Loans granted, annualized | $26.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 2 | delinquency rising, members leaving |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 3 | delinquency rising, repo signal |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 0 |  | members leaving, delinquency rising, repo signal |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | margin squeeze, delinquency rising |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-06 | 2 |  | delinquency rising, net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | delinquency rising | thin capital |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency rising, assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 0 |  | 3rd-party paper>100% NW |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-05-13 [Roger H Willette Obituary (2026) - Augusta, ME - Plummer Funeral Home - Augusta - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPQjFMU1VEeVVGci1tOFpIdXRvbU1WR1o4OTVpUzZtMVVPbEhxU1NTR05oeWhmN1JscXkyYWxpdWV1R1VmVFJlVEE0Q0pzTkY1NFBFRkRTeFRNdHZoRkJOYmJGTVZxb2FMcnZ5VldEelctbFlreHdzZ2Z2OXlFNzg2WXFoMA?oc=5) · legacy.com
- 2026-01-05 [Roger L Poulin Jr. Obituary (2026) - Vassaboro, ME - Plummer Funeral Home - Augusta - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQSlE1WnQ4eGRBc1NKaWZiS2ZWWDVXdlh3TUdxWi1FWFI2RVZ2QkQwNkdPTjh3T0tyaVdnTWdqenJLMXczOEJzeEtxQTYyMnRHWUFpVWJjaE5mOW5odTZicnNON0tMbENnOFV3cHQ2bm42aERvRXR6X3JZeHAxY2FIWg?oc=5) · legacy.com
- 2019-01-03 [James "Jim" Edward Moriarty Obituary Jan 3, 2019 - Dyer-Lake Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMieEFVX3lxTE9BTEJJSmthQUpqWXo1dDM5NUdEcTFVNktSekIxOG53THJZM3U4VEEyb0ozUVM3OFRySGRBNWUzcl9BZ0FGRDVKX2pQdXhJNXZhUmdkVnMyR21XSnR2WDBnbTR2TUhhS3RXTGM4NFp4QnpZQUlGcjRNdw?oc=5) · Dyer-Lake Funeral Home and Cremation Services
- 2020-09-25 [United Way kicks off its 2020 campaign with a pop-up drive-in - Centralmaine.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxObGhDN1ZkNVAzZ3FYWWtmSU5Cc0NManZlZHZscUVPUjBXMnhiOURLUEI5R1RCWlNxNzQ1X1hpQmE4c0NMdzBIZlI3dV9mN1NVOVpIQzNCSF9QdC1MRXlWN2ZXUlU5c204YkZZbHI5WkpEV0JTd2cxSU5mR29qbVN5OTI4Nng1cFMtbjEwUjhTR01DOUFEaTh1RnlNUXBHbThKd21v?oc=5) · Centralmaine.com
- 2021-09-28 [James Moriarty Obituary (1945 - 2019) - Hallowell, Me, MA - MassLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRXRXU25BemsyM1J0akxfMVZqQlo0TkRteUZ3cXFnYkFtZVVGT1VGNFVVQUR4LXZ6bkxhZW0wUHc2TnlIYXlURVpJMFhTOXd6Qkx2azRxREN5QV9YX3RzVjBZMFlKQTB2TzQwVEExSG43aVVIWGFFTnUzOEs3TWE0bGpEeG4zTEdCTTQxdkdYdkNvQUU?oc=5) · MassLive.com
- 2021-01-12 [Obituary: Linda A. Veilleux - Centralmaine.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5XSmR4b3VxN3lCRzNsWDFjZWFQal9tYWE5N2xBVnhPaWJWT2FHdGFNdm1pVnJOZUNUZThGN2dVb19lLWYzVUxUZk9CR1I2eFdVSkxkMV9aOU9hQ0t1ZllLWjlmV2U1MkZEcldUa2l3cHRkbU0?oc=5) · Centralmaine.com
- 2026-08-14 [Richard V. Breton Obituary (2026) - Randolph, ME - Plummer Funeral Home - Augusta - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQYkJMSGxselg5dEdIdEttcjItWkZ2OWZxOEs3bk1ncVFFYUFVUXM4S2dvczBpQTBNVmUwc014YWZFUHZGVjJmVVVydkxZMnVRTC1NZ1p6dEdHc0gtSTh4eVV2Q1lSaHZvaURFVEVRRFB3RnFsTGc5ek4xWk9xRklnVEhxYw?oc=5) · legacy.com
- 2023-11-08 [Obituary: Cari M. Philbrick - Centralmaine.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1PZWdPT1lhZjVYanFSZkdaX01GVkJzeUdiay1OSmFkZVhGcmY4OUJLQTdzOUdpbHRLR1lKZHhrRFZFdlFaUlE3ZjlyM0ItT2RjbzNLUmp3dzkzQVkxcU1jb09LZC1COHMtZk9aODVRdnczNHpZWHc?oc=5) · Centralmaine.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15328 (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/32.json (key "15328", 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=15328
- 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