# EASTERN MAINE MEDICAL CENTER
BANGOR, ME · NCUA charter 23310 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/eastern-maine-medical-center-23310

Who the members are: federal charter, multiple common bond, organized 1979, low-income designated. 4,263 members of 20,000 potential (21.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $49.8M |
| Members | 4,263 (-4.0% YoY) |
| Full-time staff | 11 |
| Net worth | $5.1M |
| Net worth ratio | 10.2% (p31 of band) |
| ROA (annualized) | 0.25% (p49 of band) |
| Total delinquency | 0.57% (p39 of band) |
| Net charge-offs (annualized) | 0.40% (p61 of band) |
| Loans / shares | 46% (p33 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.29% (p20 of band) |
| Operating expense / assets | 3.03% (p40 of band) |
| Vehicles % of loans | 34% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 54% (p94 of band) |
| Vehicle delinquency | 0.02% (p28 of band) |
| Vehicle NCO | 0.77% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 10% |
| Average share balance | $4,846 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $11,890 |
| Loans granted, annualized | $6.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## 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 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | delinquency rising, loan book shrinking |  |

## 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
- 2026-05-11 [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
- 2026-03-23 [Bangor hospital and nurses’ union reach tentative contract agreement - Mainebiz](https://news.google.com/rss/articles/CBMingFBVV95cUxNZ25YbE5FdWFVcFBFV3dDd1Rmd0Uta0V0ZWpzMDVRYjRkM3gtNFI1NEpYNTg3SFNqbXBvR1R5bzI5dEU0dTY4YWhlNjRVU0xzTC04SFlwV3pCZzFsTDRPT2RQeFRaQThpaDJhODk1WW90OWhzR3dBNkxiRE1MaldWWEhzZGpkLS10ZmNUdzYwY3M1LU5XeHg3TGYyX3o3QQ?oc=5) · Mainebiz
- 2020-06-30 [Two Bangor men arrested after allegedly robbing a bank Tuesday morning - newscentermaine.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOUndGY0RscXZFdXdfakQteV9HSzNYbXh0WWJCZlFDaHBfSm5HWF9rVk51UFdNTEl3YlprZUJEMDU4Znl5ZTUtOC1aMkdIUFhEb0RsR18tNTNPT3dGb094Q1hOTG1mMlpHT19XdjdNeDNmbnJzdVp6TG4xTW56ZUR6NmZLbk11bGVIb2NBYmxLMUgyellZU19NUzB5Zm80VVE4VG95N0Y1dWtJTXNhODhYdHpoSC1JQ1ZpVmlkNWFCaTdDUzVaVHF3aGlhNDJsTDV0ZlZVVlVRUDJidTh4OHhqY1hQWDZUZw?oc=5) · newscentermaine.com
- 2017-06-17 [Shane Lee Dodge Obituary Jun 17, 2017 - Dolby, Blais & Segee](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1ONnh0V2hoVlVqWkZEcGRVeWh6Mi1ENlQ4VTZwLW9nNUY4THYzelRobXZmYzB5LUtENTJYM1N1d21pS3NVdmMtb1k2ZG9tY0VudzU4cWlJM1ZKaHNXVkhoNTNIZE4?oc=5) · Dolby, Blais &amp; Segee
- 2026-03-17 [Bangor nurses to strike over staff-patient ratio - Mainebiz](https://news.google.com/rss/articles/CBMihAFBVV95cUxOc3dac2J0YVI1dlZpN2o2ak9zam1WMy1xQmRkV2NnVlVhekhfVnJRZkhFUUFaUXZkM1dkRThtZlNycjFmTEN1TElDOEdXczE3NmlRZHM5OTQyVl8tT3ZSeVFaakJ5ajNOYm1LNEhPc0Fmc1laSF9wbmR3ZF9DRFZWakMzTGU?oc=5) · Mainebiz
- 2015-02-14 [Peter Milliken Obituary - Lisbon Falls, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOWHlTSzRfUTVoSkREc2l1WFZyT1l3bV85b1NFSk5yOXN5QlJfX1FQSDUwVE00VU5VUHNTekUtMmtRMzBqVHhEMFlWV1NWWGhZWGZQSnlBdFI0NkltN1JjTDY1VW9ObklxUTVjdVNZRVNNLXdZczJqUlFKeU5jM1R1c1dnN3JuLXhu?oc=5) · Dignity Memorial
- 2016-01-05 [Daniel Clowry Obituary (2016) - Newport, ME - Central Maine - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQM1JJdGZWMmNBaEIyV3NEMHZfWlRvSGhSYWtiZ1NmaFpCbnFlbTVyRVhJMWRKVDVLUXRIeEw5MUhVUXdNaEpTYjRDNFJKUGJWSDVQLVBLR2ZuT1BYV0FKTzBIOTdYZW81Rkp5a1NlQWZhY1Q3cWt1c25EYmxkc3VmMm81RjNBWS1na0dHSkh1UWNvLU13YlpGMzdDNHZXLWE0Rmc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23310 (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/14.json (key "23310", 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=23310
- 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