# ATLANTIC REGIONAL
South Portland, ME · NCUA charter 4281 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/atlantic-regional-4281

Who the members are: federal charter, community charter, organized 1941. 49,072 members of 686,806 potential (7.1% of the field); checking penetration 93% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.08B |
| Members | 49,072 (1.6% YoY) |
| Full-time staff | 189 |
| Net worth | $119.9M |
| Net worth ratio | 11.1% (p59 of band) |
| ROA (annualized) | 0.33% (p18 of band) |
| Total delinquency | 0.30% (p14 of band) |
| Net charge-offs (annualized) | 0.22% (p16 of band) |
| Loans / shares | 76% (p25 of band) |
| Cash / assets | 5.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.05% (p33 of band) |
| Operating expense / assets | 3.81% (p80 of band) |
| Vehicles % of loans | 20% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.49% (p40 of band) |
| Vehicle NCO | 0.50% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 54% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 16% |
| Average share balance | $7,657 |
| Participations bought / yr | $867,400 |
| Participations sold / yr | $0 |
| Participations outstanding | $33.4M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 88% |
| Average loan balance | $26,706 |
| Loans granted, annualized | $243.5M |

## Participation posture (from the same filings)

Bought $867,400 and sold $0 in the latest annualized quarter; $33.4M outstanding purchased (27.8% of net worth), $28.3M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 0.9% 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 | 2 | net worth falling, loans>95% of shares |  |
| 2017-03 | 1 |  | loans>95% of shares |
| 2017-06 | 3 | loans>95% of shares, leaning on borrowings |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | net worth falling, margin squeeze |  |
| 2019-09 | 3 | delinquency rising | loans>95% of shares, margin squeeze |
| 2019-12 | 1 |  | leaning on borrowings, delinquency rising |
| 2020-03 | 2 | 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 | 1 | net worth falling |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | net worth falling, leaning on borrowings |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency rising | net worth falling |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | margin squeeze |  |
| 2024-06 | 2 | delinquency rising, assets shrinking | leaning on borrowings, margin squeeze |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | assets shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-03 [A roundup of Maine commercial real estate leases for June 2026 - Mainebiz](https://news.google.com/rss/articles/CBMilwFBVV95cUxON2ZSdHF3TkhtUVJocWRjTVQtMWpjVTZsX0xCcmJqRk0yUzVKdFliZkZjME5Bb2QwNEduZVZ1MDJ5UnVhWUMtQTEyV3JKbEZ0eGpNR2ZleUtmNEFqT3NDanFwYWVFcXdKMnplTzNUandLMDdWNFpzVEw3TkhaQ2lGYTVRV21wdl9LZUYzZXJ2NzloYjNLQ1Q0?oc=5) · Mainebiz
- 2026-04-20 [Ellsworth mall sold for $7.4M - Bangor Daily News](https://news.google.com/rss/articles/CBMingFBVV95cUxNN0pfSzd1RGtWYUxTOEc3cEk5c19WU25mbUxtY0xUcThrc1U3NlhKMEFiTGJXZThOaldrV0VEMzBVZGZrMTNMUElzbHJPQWhhQWR3aXBqRU9pbmVpTUxaQzZxWU9kUktUczQtV1FOVEdTUUdVVDlGQ0dVMUU0ZUZJWnBtVU9zNi1GWnJsZW9UWUNMX2VCTWFPeDRjVWdqdw?oc=5) · Bangor Daily News
- 2025-11-04 [Maine Commercial Real Estate Transactions: October 2025 - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMimgFBVV95cUxNOEkxZkdyNnhmZHBJbzVjZnRYQklIdlA1UVFZNlN3aWN0eU9OM1otSl9iRGp2N2xxYjBjTHJlazdfYldIUW8yeDJncWlIa2ZocGNkTlh1elBDamxkdFRlajVGbHBqcjRGN0tnSVN2MkVqOUtQZUJtU0ZrTVoyUWNOQTVUWE5PQUdTSEp1YllOcGdEeDVrZ2RfaUln?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2024-10-14 [This Week in Navy Sports Presented by Navy Federal Credit Union - Naval Academy Athletics](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPU0JGZ29sZFdNVnhSYkQyNkN0UVF0eW4xUmptdm9OOHZseUotblYySVFLTjdZQmoyTE9hOVJubUt5MlpLWWRRZHdreHJrQmRIMnA3VF9yS0dWTlZWQmgxdFJ2TEZwaHlqZFBjWkFPYmE0eEhsSnUyUDUySXFGSGZvcXhsT1FDdjl5RmlMMFZPb1A4OEJ6SkxPT0VMY3RxNllUd1otblpGcWFkTTZGN1Q3M254UXNHOXlyTnlN?oc=5) · Naval Academy Athletics
- 2020-11-09 [Barbara Leavitt Obituary - Yarmouth, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQZTFySVdtNXBYeWpGMTl6Q2pLZWFKaHNkdmVlNGliajd3NkJQVHlwYVNjc3hSZkQwdUVxLXFWRjZ6ejNZU0JkTGY3ZllNeVk4UTRzeWpRa0ZaWWFSdWFpcEM2NktmZWQ1OUNoYVMxQTVIS00xZzhpZ01wN3N0d2NqZUI4Zkg?oc=5) · Dignity Memorial
- 2022-08-02 [New credit union and more among economic initiatives planned by Black sorority Alpha Kappa Alpha in Orlando and beyond - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPY3RLRDBrVW9pMHZHM1ZtTzNKVk9wT3hvb2ZhZG05SE5XSFBrT1JUUnZzdnZZWEo5VXFFYi0zNWY3ZWo4OGpoMURwajB2ZHE3Wm9Ha0RtbHJTOTBBcW5qR2p2WVZodHl0NnpjUEdnSFhxZGo5VzhNVy03UlVJNDdrbEg4ZmZIRllwaUJZRFJzM3U1Q2hLS0Z6VWdUcThxbUNVOXN5NmZ3c2E?oc=5) · The Business Journals
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2021-10-02 [Jeffrey Sickel Obituary (1987 - 2016) - Brunswick, ME - Portland Press Herald/Maine Sunday Telegram - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQM1JnaXJwVHRCRlVSMnU4dXZ1dGZYbEJhcVRXZUV2eGxwakg2Q0FQSU5UVVc2LXBjYlJjcjR2OTduT3RpLUZQSFBiQjJNWnpQOTlTUDd1MHdMZWpuWHpzT2FFbDBlZ0ptdXNTTklLN0V3cGVzMUFSVDlpYU1VZWpwVUZSUGtvX2VYTzQ0TU9rX0w0dXlCWTJrVjdsR0NXYTBM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4281 (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/57.json (key "4281", 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=4281
- 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