# INFINITY
PORTLAND, ME · NCUA charter 24173 · asset band $200-500M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/infinity-24173

Who the members are: federal charter, community charter, organized 1976, low-income designated. 18,389 members of 540,000 potential (3.4% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 71.

**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 | $336.3M |
| Members | 18,389 (-0.9% YoY) |
| Full-time staff | 79 |
| Net worth | $34.2M |
| Net worth ratio | 10.2% (p63 of band) |
| ROA (annualized) | 1.05% (p83 of band) |
| Total delinquency | 0.72% (p84 of band) |
| Net charge-offs (annualized) | 0.20% (p55 of band) |
| Loans / shares | 90% (p97 of band) |
| Cash / assets | 6.7% |
| Borrowings / assets | 3.28% |
| Net interest margin | 3.39% (p94 of band) |
| Operating expense / assets | 4.32% (p95 of band) |
| Vehicles % of loans | 13% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p12 of band) |
| Vehicle delinquency | 1.19% (p97 of band) |
| Vehicle NCO | 1.43% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p27 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 21% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 29% |
| Average share balance | $6,423 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $19,921 |
| Loans granted, annualized | $109.7M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 3 | repo signal | delinquency rising |
| 2018-03 | 4 | net worth falling, delinquency rising | repo signal |
| 2018-06 | 4 | repo signal | delinquency rising |
| 2018-09 | 2 |  | net worth falling, repo signal |
| 2018-12 | 3 | repo signal |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 5 | delinquency 2x band, delinquency rising, assets shrinking | repo signal |
| 2019-09 | 5 |  |  |
| 2019-12 | 3 | repo signal | delinquency 2x band, delinquency rising, assets shrinking |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 1 |  | repo signal |
| 2020-09 | 2 | delinquency 2x band |  |
| 2020-12 | 1 |  | delinquency 2x band |
| 2021-03 | 2 | expense trap, delinquency 2x band | leaning on borrowings |

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

- 2026-05-29 [Brunswick man charged in York County robbery - WMTW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNR1FOOFBxd3JmWU5mZlpEWlVYTnVZcU1FeG1CbkxFdFVHVU95MmYzcXRHbjlTSlBEX1A5dURvMTByREhwX1JCTGo1WjhZWGswczJGUnAzeW9VWHVSQWRWV0FhOU1hWjBZd2wxNmM3QlFjdkpqVXA1Z0s2UGpXXy1GZnA3ckFlV0Ez?oc=5) · WMTW
- 2022-08-11 [A year after merger, Infinity Credit Union’s former CEO takes out-of-state job - mainebiz.biz](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPT1prS1NtSnk2bzhrNF9BMS1QdGpHbmEwbFNXTjJud0VWeDBTMVVfcWtyOFJmWW1KVWVvb09CamxXRmFjdmVaMUlfaTVHMExESTM0N3lRQ1NzN3lsU21sdHpHaUpIZXhtMzZWN3FMRy0tNGZGeEFURnY2enpHT2piZlFVUU9ieWpQQXFyaGZabXAwcWV5a0lCWWd1aVBEMG1kTW1qOTBRN19BQQ?oc=5) · mainebiz.biz
- 2023-07-25 [Maine's oldest credit union will stop taking coins - WGME](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOMThOMmM5dXZnampNVXN5eTBYaDg4aDgyQmtpeFBLSUJUU3lGQ3RYZ253ZmZTNmUtd1ZOVDMzcWVJbGpkM1FOUHFfWC1waFBoT1I4SUZ3b0RUYTVTMGxJM2xHMWVVX283QmQ3dVU3b0xoLUoxNEdBN1pzWTNYM2pIX1ZNZC12Q0dJUjJSX0xsemF2ZU5lYTVDVlh5TDVKQ2dpclNmU01adE1hamZpaHVLQ0xvTjVsLUgwaFFnVXgyai00eXQyb1VxcllHQzU3VU5WbllRMGlEUnU3LVBaci1Z?oc=5) · WGME
- 2019-09-26 [Credit Union helps 15 non-profits with fundraising - WABI](https://news.google.com/rss/articles/CBMinwFBVV95cUxNS3ZZUEFaVDZyM0xiTW9jdFNxdTZFQjJwcXFWdFEzOWljYXhHNEZxcWJnM0JhOFVRMTlSaUJMSXV2Umg4VndLTzVldEI3TW9mWDcyd2FGa1hyMmZJWFRYTFBLVC1EaWluaGFhRlBuaTNPeXQ3QjkzRGViNTFCVmpXOFhJMlI4R0pEWTVXeXE4TlJNV3hiR0M4RlhLeVpwa0k?oc=5) · WABI
- 2023-07-25 [Maine credit union begins new policy to stop taking coins - WGME](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQkxYNEZjYjJPaUpfV3lzcVBZZ2JkUGU4bldOVmFUemcydzg3am44NlpzTmhYV010ZmNnZmRUSndEalFRcWJTRnZpVFlPYlo0dk4yVDZqbGZ6eEZjdWVuT0xMY093bHA3Z1p3N0ZkTTJwb1IyUVd2ZGJ3UnNVSGoyQTczeHFuZE5YUmh1WmNxaFdGMk1yMFVmQVBleTlieW4xWExGQ0E0ZWd2T0lLNFE?oc=5) · WGME
- 2021-05-07 [Westbrook-based Infinity FCU inks merger with Illinois credit union - mainebiz.biz](https://news.google.com/rss/articles/CBMingFBVV95cUxOYTJMWW1KeTdUZ3RnWDVWQzYxNmJ2RWVNQW1GWjFiWXBsUElnWHd6YklEVnNaRS1abVRvaXZsMGJwdG5JankyVFNCT0dTNDRSU0MwTXl6Q2taQkFqVVJEWGM1bjVrV0hpSUtXM1VCb1B3b3o2aU1OTlVRdVdRaUk0VlFhWXV5TjRLa01pR2VUaGJWSE52Ui1tTEtwamRSUQ?oc=5) · mainebiz.biz
- 2016-08-28 [The Best Credit Unions to Work For - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVnNLU0Z4ZFVGOE9QMmNWalpZekI1UnFjT1hRc0F2RkZ3SnItdVVwUHN3UzlyYmE4Z0poLXZyXzVOZ1pTNjJhTW1iUE1KRGhCOEplSGg0QWtRMFZIeVJtNHlqRGxRMXhoN3VVNDAyVXhFUzZfcHExekxHaHpCbENxc3dOeWhfS2pULWVqSms5OU1MWlJLdWJreg?oc=5) · American Banker
- 2026-04-18 [Hanover hosts first youth entrepreneur competition - Jamaica Observer](https://news.google.com/rss/articles/CBMimgFBVV95cUxQay1jcFRRTkdaelg1RDlzMXNpVlBCLWpIbWtpUVI0cXhFSXdLSHVrd3RjMVN4S0VrSDZnODBGMW14MnNhSFp1T3JIQXB5dWRCWlp5T1pHMUh3XzBLRTk4Yl9uUFUzdDRKRHdLSXVxV3F4aTVzcThuaEJkMWNmZDU4cVhJc1BCZWhOZlFzSWdSeUp6V2I3ZkVPQ1Vn?oc=5) · Jamaica Observer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24173 (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/45.json (key "24173", 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=24173
- 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