# MAINE FAMILY
Lewiston, ME · NCUA charter 2644 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/maine-family-2644

Who the members are: federal charter, community charter, organized 1938, low-income designated. 19,179 members of 1,000,000 potential (1.9% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 38.

**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 | $285.7M |
| Members | 19,179 (3.8% YoY) |
| Full-time staff | 45 |
| Net worth | $24.9M |
| Net worth ratio | 8.7% (p10 of band) |
| ROA (annualized) | 0.62% (p44 of band) |
| Total delinquency | 0.18% (p11 of band) |
| Net charge-offs (annualized) | 0.16% (p22 of band) |
| Loans / shares | 50% (p8 of band) |
| Cash / assets | 29.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p11 of band) |
| Operating expense / assets | 3.05% (p24 of band) |
| Vehicles % of loans | 40% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 93% (p54 of band) |
| Vehicle delinquency | 0.23% (p19 of band) |
| Vehicle NCO | 0.26% (p26 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 10% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 18% |
| Average share balance | $6,607 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $17,786 |
| Loans granted, annualized | $51.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (6.0% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 6.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

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

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

- 2026-02-04 [Maine Family Federal Credit Union in Lewiston robbed; suspect arrested - WMTW](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVzItdlhDOV9LWlpiQ2p5Q0RLcTBuaUtza3E4STdXbGtaQjVCd2JENllMX0JTQU1jUmFhSWJPMUdKQXRMLUhVc1FNU0FwOW0tWW5CZGpwcFFSQ3BRLU9kVjByYktuVDlNMWhnRkR1dTRWTEVLNmc2b042cjNFWVgxdG5WNVdXa293RWtiLV9VVDctUQ?oc=5) · WMTW
- 2026-02-04 [Man accused of robbing Lewiston bank - WGME](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQRFkwRk81RDJJMFlzWkJEeFI5dDB4aW5aT2NWY3ZkSUFfQko4bXBuaW1IYlcwdGp2S3dtc0R1R0ZxN2QtbE84Z0N1cXhpbURIM3Z4NHk1M0hTNHVhS09KRUtaeWl4c3BFQ19KN3lpX0NTdVFSYXFPXzVnS2c5VEZvbkxqajBVanFKT2RRWFBNakJQRWtHeFV0UzhIQ3JSNUFPS0k5ZEZHcnFfakQzYVJXVGh1c3BCM25XVDVxWVlQcWl3LUVSTGk5Yg?oc=5) · WGME
- 2026-01-08 [Diane Plourde Obituary - Auburn, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQ21NTER4RVZjVWpDQWFvQUpVN2VQRTh5ZGdfdFZpeHZuc1JmX1l6MEEwVFpSaTJFZUR3dHFieFdtM0R3MTRPX003Snd0aDZ2N0pHbWMzbkJud2JfZzMzTmtMRWc4RWR1UnQtc3ZTc3o1djV0cUxIcnk2U2MtU25OUw?oc=5) · Dignity Memorial
- 2023-08-24 [Maine Family FCU appoints CFO with extensive credit union experience - Mainebiz](https://news.google.com/rss/articles/CBMinwFBVV95cUxQNVFLU3N0OWxSeWp6UFpTbFgxcUhweWFfQ3lFM196WjctLTVnajZCTDZRLWIzSEY5WWRhMWdiM2FjTGtyZWtORVVOY1ZwTVVJZDBqXzlSQWpNUnZKSmRpZ1lhTER6NERoR1Z5RWpiWmdXVUF4N2h0dDV1Rk9hQi1JWm8zUmtwa1lhT1FEQTVaNXFzUnhpTDQxV2xDNFU3Rmc?oc=5) · Mainebiz
- 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
- 2026-02-04 [Search involving drones, K-9 leads to arrest in Lewiston bank robbery - newscentermaine.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNQ1MxME54dXhjVExucHZzODJ1eHRqanQzNFk3bE5UOEVOX09WTHpNTy1rRWFLdlJyejZ1YjhteXRPbXVpUHhUQlpSczJjVnVLRVh3cjFvX0swWjB4OWY4akljZUlzRTVKNzJEY1FsMGpsWXloTUlFc2JubkVQSG5pTmpzU1VvM3FJbTZIT19OUkZ5SF9yLUhqbDRiUlV6NGhSN29nY1lKSG9uNjJjQUs3SHEwUk1NdmNyT2lLN3FvMmtYem5NWk5MOEE4Y3JMZWdDVkQ2SUpqeU1FekFNZ2p2QTJHV1dwWHZPeXVuQ0wtbmVNdmN4dHFGNjFzM1lSUkU?oc=5) · newscentermaine.com
- 2024-05-25 [Sean Travers Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPNkpBMjM1LUFCd0xDM01DNTlXQXJWMVV3MkswREhxRDlwN3h1a0M1QkJ5QlVJM1BnbDlmU3J1T29PUjR6bFo2enhkdTQ2anpvcExtVUl3b3FNempIdVNYeXdfMXIzUE5JMXZJWWxMMm56ZlZXaXZnaVlFVzZGS3dtRnJ3?oc=5) · Dignity Memorial
- 2023-01-06 [Joshua Saucier Obituary - Auburn, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOT1NvQ0hRY2hUVVF2eEs5ZkpwdXNVU2xpMkREc0RSNDFFTlBaOVRrSjlfX253RUdtZndabWp0azBwNmF5OURaZXdUUk9tdDh3MGQ0YmhoV2lVcDc3cjA5RTFxcWNBZktmM1FmeXByR1NJaHZvX1BFc240b2tGcmxCeWZn?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2644 (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/20.json (key "2644", 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=2644
- 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