# OXFORD
MEXICO, ME · NCUA charter 2645 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oxford-2645

Who the members are: federal charter, community charter, organized 1938, low-income designated. 20,296 members of 978,901 potential (2.1% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 126.

**Verdict on the desk:** this could be *participation buyer*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $370.2M |
| Members | 20,296 (3.3% YoY) |
| Full-time staff | 47 |
| Net worth | $58.5M |
| Net worth ratio | 15.8% (p91 of band) |
| ROA (annualized) | 1.79% (p95 of band) |
| Total delinquency | 0.36% (p26 of band) |
| Net charge-offs (annualized) | 0.20% (p28 of band) |
| Loans / shares | 72% (p46 of band) |
| Cash / assets | 15.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p40 of band) |
| Operating expense / assets | 2.97% (p22 of band) |
| Vehicles % of loans | 34% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 43% (p39 of band) |
| Vehicle delinquency | 0.29% (p25 of band) |
| Vehicle NCO | 0.32% (p30 of band) |
| Repossessed % of vehicle book | 0.09% (p69 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 32% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 26% |
| Average share balance | $6,601 |
| Participations bought / yr | $29.5M |
| Participations sold / yr | $564,000 |
| Participations outstanding | $47.8M |
| Loans outstanding per 100 members | 126% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $8,719 |
| Loans granted, annualized | $51.4M |

## Participation posture (from the same filings)

Bought $29.5M and sold $564,000 in the latest annualized quarter; $47.8M outstanding purchased (81.6% of net worth), $8.2M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans>95% of shares |  |
| 2018-12 | 0 |  | loans>95% of shares |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-05-22 [Cash not being delivered: Why Maine banks, credit unions are facing problems - WMTW](https://news.google.com/rss/articles/CBMilgFBVV95cUxORmlVMWZrV1l0Rk1OVlo1VFU1Z0RpdEdITXN4QkpZaXRFZVVra1h0endKOTFBaVc0QUZ4bHpiVGhDU01zbzItSk5uOUFFZHRmVWhZNl9jalBSX3JNU2pJa25lQmhicVRraW1KYzd3eFVOS0tqNWRuc3hHVkNELUxyZFZEeWhscWxzeWkxUGJSWk9RYngtWWc?oc=5) · WMTW
- 2026-04-20 [What’s Being Built in the Former Uncorked Spot in Augusta, Maine? - b985.fm](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5wano4b05ZTlBBVjNlQnE4eTJubktncUF2U18yLWhjRzFpWmJNSFlhM2Q3LUp1TEU3X1FNR2hmcUE5WGttT295ZlpEcTI1bk4wZTZ0VW8yTVVxVGZrRVpV?oc=5) · b985.fm
- 2026-06-16 [Bangor baseball hustles to A North final win over Oxford Hills - Sun Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOMkZsV3ptTTJFa21mNU90YS1FV2JCS3lERG9ZemJHVTdoa1JGdnNJeUc2V1hYUXp6LU82bVJER2hLa242ZXhncDNVeWQweHpPSEVvSTd4MW00aHJNSlFBajNzQTUwRmhmR3BpcXh0YmdDSHNMVUtXYzA5LVV2WTQwWTRsSGQ5bHBteDRUWnlUNXp6X2w2ZzBHMEUzZ2tWZjBGLUZJ?oc=5) · Sun Journal
- 2026-06-11 [Oxford Hills honors the coaches who built its softball program - Sun Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxQUXQzLXB3MTZlTWtrTGxZRmlEdFhndXdzX2FoR0E2NFlBYThxQVU0QnYwN3ViZm02N3A0eXFjM2NJdWV1bUFKZzdMaW9iSFFqczJZOWp2R0o5RDBzMGw5TkhmYVJlU2VqdEV6eU5GWm1zOFVpQ3FRZEJGWjczQVZ1dFZWWUk3X3UzZF9wZUpoR3ZIVkJJMHpwajN0bGxmRDFQSVZv?oc=5) · Sun Journal
- 2025-12-17 [Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOFZxMXZybnh2V01ISTNpaFFJU0R4M1o4RllmMHlkRTZmLTJNanlRTWZBa210Rk5Ld25sMzNOWGcyUHViTEFTSVhoeUx0SnpMSENMNld4TkExVUlndW1mai1VbzcxNzhnblZjZFJXTlJyQzBacldMNElia2R1ZlpDZ2lvYVZfdlFIWW1z?oc=5) · Newsweek Rankings
- 2024-09-18 [Saco-based credit union gets green light to expand - mainebiz.biz](https://news.google.com/rss/articles/CBMihwFBVV95cUxQNXdiOGp1dVFjZ2VkNVE3THpETjl5VjF6Z1VfSE5uV1RfYjIybE1ZeVN5eWdZc3FVbHVLckNTcTBuNWhEWTczN21tUFNIVG5aME52ZzM2NDUzUkxkelJxSXd3RTVwaDNIWXp0T3JlakRoSGJqdEV6Z3ZYdE1va1phcEk3NEoxSlE?oc=5) · mainebiz.biz
- 2023-10-13 [What are the best companies to work for in Maine? - WABI](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XTFA0dkVydWpSSVdSbmtVcDhRZklsN2dVeHhRZldUMU9ZNGhwOHBYaTRXc0F4dkZTeEQzY2IzdFhySW1OMlJHMl93UnhQWXY4SmpWWm1VY1BfakZ4OU9nZGFrQjlFM3UtbTBwaHc0UTN4MmY10gGIAUFVX3lxTE13bk5XUU9sNkU1MUJINE54OWcwYTIwM2pKSUNfQkMwbjZlaU0wa2lTQUNYUVd0V0l4V0tITi1hMW9JMmY0OWxValc0OVBKVUd5eGt5N0d2M1F3ck5WbXhMeHIyWGlBSzQxSktxSFIyMlNVTExBZTByeGpwMXBtQnBVd21tNjBRejk?oc=5) · WABI
- 2025-09-12 [Oxford Hills football rolls to win over Massabesic - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMilAFBVV95cUxNaDRiOTFGQTRPQlZacEYtSXhfU1BtSjhoTWlwdmZQaUZZWThkRl9TOHhFZVc0aVNYS2E4SDM3Qjd3ZFZwQkdxY0lodEtiQ1BvcGZyRktNVzlGVUVyc3k5OHRqOW9jVllCcGlGd0FFNzZ0bnY5X2tzZlZURWFMdkwxSXJkWmk5QmZoN1A4bE0wZVcyRVYt?oc=5) · Portland Press Herald - Maine Sunday Telegram

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2645 (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/21.json (key "2645", 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=2645
- 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