# ACADIA
FORT KENT, ME · NCUA charter 15619 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/acadia-15619

Who the members are: federal charter, community charter, organized 1963, low-income designated. 18,300 members of 322,677 potential (5.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 62.

**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 | $408.1M |
| Members | 18,300 (4.5% YoY) |
| Full-time staff | 90 |
| Net worth | $45.1M |
| Net worth ratio | 11.1% (p48 of band) |
| ROA (annualized) | 0.40% (p27 of band) |
| Total delinquency | 1.62% (p93 of band) |
| Net charge-offs (annualized) | 1.12% (p91 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 7.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.84% (p71 of band) |
| Operating expense / assets | 3.86% (p57 of band) |
| Vehicles % of loans | 21% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 140% (p69 of band) |
| Vehicle delinquency | 1.21% (p82 of band) |
| Vehicle NCO | 0.40% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 155% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 34% |
| Average share balance | $8,231 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.1M |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $29,866 |
| Loans granted, annualized | $91.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.1M outstanding purchased (6.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 0 |  | delinquency 2x band, loans>95% of shares |
| 2016-12 | 2 | net worth falling, delinquency 2x band |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | delinquency 2x band |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 | delinquency 2x band | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency 2x band |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 | net worth falling | delinquency rising |
| 2020-06 | 2 | margin squeeze | net worth falling |
| 2020-09 | 0 |  | delinquency 2x band, margin squeeze |
| 2020-12 | 1 | net worth falling |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 2 | loans>95% of shares, 3rd-party paper>100% NW | delinquency rising |
| 2023-12 | 2 | delinquency rising | loans>95% of shares |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency 2x band |  |
| 2025-09 | 2 | loans>95% of shares | delinquency rising, delinquency 2x band |
| 2025-12 | 2 |  |  |
| 2026-03 | 5 | net worth falling, delinquency 2x band, delinquency rising, charge-offs p90 | loans>95% of shares |

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

- 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
- 2026-03-27 [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
- 2026-07-02 [Chamber welcomes new credit union branch - thecounty.me](https://news.google.com/rss/articles/CBMikAFBVV95cUxNd05Id3NmendmZEtrQzZ6TnU0RzJMazg2M3BSRkZSeFd1RXhJSFVzMmRZU19zeGUxV3U3Und2MEgzeUJRUUpYQy13Z0pXam8tbzBWYVBlLTlyS0pzeTdsUUhtMW50enN5SGYzOEJHMktWTGJ1dUpqVmtic1RhQ0NTQnV4Q2FQWHdRQm9sQkZ4cHg?oc=5) · thecounty.me
- 2026-07-31 [Acadia FCU awards $17,000 in scholarships to five outstanding students - thecounty.me](https://news.google.com/rss/articles/CBMitgFBVV95cUxQV0lLSEQzUW5Ba096TksteC1tc0FoQ2NpNEgtd282dndxRmxsMDlRWmVJcDBGZGV5QmtwVFhTekNnN0hmcHdDQ3dhLUhJSkhYTUdfUExQSnVtQ2VHbU1ueVhkb0JqTlNhanN3SUtYanNjMjhXcllwUldNNnlNOUI1N01SMk9WaDBKaUFFVEduY0RwRDlpZDI5RF9lRVU0R29JYURwTnN4dWlRWEYtTkc1R21lRXRWUQ?oc=5) · thecounty.me
- 2025-12-19 [Hampden sports complex’s 1st artificial turf field should ready in spring - Bangor Daily News](https://news.google.com/rss/articles/CBMihgFBVV95cUxQUFliNW5PYmhzYmZndU5KZUNBX1ZwSjJHUDlaR0FqRzZhNGxzZU85V2ZqbTFTdkR1NjhweEUwazdOZ1hRVDRHWGxZQ3I5QThmTzN5d09qUXdIdXZzdklORjlWa3pqSnJpaW5OTmJhRllxSS1NM25VY3dRUVNRT2JnR2pSUUlDZw?oc=5) · Bangor Daily News
- 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
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOb0VzQlZYRkxOZzhJRVpRdTQteTk0bWg2TU1GNG81MktkNTU4TV8xcEVTVF85SHJMQ0M0NG11ekFXQ1NOamxwd2FNb0I1aW8xWEFKMGJhT3NLWUNuRklnelhtWkxPY00zOW5iZkdLdFJYT09nYWYtYzlXWDJKMjBnRWtfUkRQWTFMTE0w?oc=5) · Newsweek Rankings
- 2024-04-29 [Maine Credit Union League welcomes Baldacci as new president - Bangor Daily News](https://news.google.com/rss/articles/CBMitAFBVV95cUxOMVlObWpxTGh1QUFmajdpemVHUXpnR1F3QTZPcjJhOGF0Y2dpdmFmV1BBejQtdHIyZl9QekhHU0RRbklsUklzaFZyVkd6Sm1yd0o0Y096Znlkc2JESVdiYTIyV3Nqa0xfbUQ4dGJKaWtTc3FzUnZ3VGI1WHBDZUZMV2xGSUlQMFhwZFY5WjZTZWthZFRGQ291dmtaYmNORUxER2EzbWJfWHBDYVFHVWdleU9KOEE?oc=5) · Bangor Daily News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15619 (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 "15619", 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=15619
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide