# MILESTONES
Lewiston, ME · NCUA charter 5144 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/milestones-5144

Who the members are: federal charter, multiple common bond, organized 1944, low-income designated. 1,817 members of 420,474 potential (0.4% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 59.

**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 | $34.7M |
| Members | 1,817 (1.3% YoY) |
| Full-time staff | 8 |
| Net worth | $3.8M |
| Net worth ratio | 11.1% (p23 of band) |
| ROA (annualized) | 0.19% (p31 of band) |
| Total delinquency | 0.80% (p56 of band) |
| Net charge-offs (annualized) | 0.43% (p73 of band) |
| Loans / shares | 75% (p75 of band) |
| Cash / assets | 29.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p50 of band) |
| Operating expense / assets | 4.02% (p60 of band) |
| Vehicles % of loans | 21% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 4% (p88 of band) |
| Vehicle delinquency | 2.17% (p81 of band) |
| Vehicle NCO | 1.90% (p92 of band) |
| Repossessed % of vehicle book | 0.53% (p97 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 32% |
| Average share balance | $6,739 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $21,749 |
| Loans granted, annualized | $8.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)

## 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 | 1 | delinquency rising |  |
| 2017-12 | 1 | assets shrinking | delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | net worth falling, margin squeeze |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 1 | net worth falling | margin squeeze |
| 2021-09 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | delinquency 2x band |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 | delinquency rising | assets shrinking |
| 2024-03 | 1 | net worth falling | delinquency rising |
| 2024-06 | 1 | delinquency rising | net worth falling |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 | net worth falling | delinquency rising |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 2 | repo signal |  |

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

- 2026-05-14 [Visions Federal Credit Union Expands Partnership With University - Syracuse University Today](https://news.google.com/rss/articles/CBMingFBVV95cUxQOU4tTDBvTGpIeHVLZUxWanR1cWw2amlVemg2WlBoOGpVSWRfWXJzcTN2OWNQSmJPU3IyYVBGWnR2TE5FSW0ycUNvUTBDaTZzeHYzTGwtX2h2bC15OWwySWNybDJ5Ni12bDJkbmUxM1V0MmxQZHpzVXZpb3FTSVQxMmJjeGVvUk1zOXcyUzdDRFp1ZGIwM1pkZ1dUMW9zUQ?oc=5) · Syracuse University Today
- 2025-11-04 [BOYS LIKE GIRLS announce The Soundtrack Of Your Life 2026 Tour, celebrating album milestones and more - MELODIC Magazine](https://news.google.com/rss/articles/CBMizgFBVV95cUxQRXFiYUQ2WFA4RkR6Y0ZOUkJObUo1dUFkN1dDU2RKZ3QwaWRUQ1VJVmZGOUJvRk8tM3JwTHZQOXdfV3dWdEJobFhIb1I2YjUtT3dmc21WdkNydVVFREVHdTQ1dzI5U0hhblBrODUyZy1vWHcxd0NIQjBHQ1VCTVRxUzFnbGxpU3NTWnQxdHQwUnF4aFdRMm1veUdTQ053eFRyNkpxNUZzRy1PZE5sbEc3WW5hYm56Qlo4VVRRcjRxYzJlSHRKTHBuRzRwQ09Ldw?oc=5) · MELODIC Magazine
- 2026-03-12 [The Pussycat Dolls Announce 53-Date "PCD Forever" World Tour With New Single "Club Song" Out Now - That Eric Alper](https://news.google.com/rss/articles/CBMizwFBVV95cUxORGE1M01sX2xRZDJ2c002M0NqYmZJRHEtVm5ydWNONk1vRUVKNXNZRkJlU1VMSUQwR3dIeE11aDUtQjNSYVBPNVN4OTFNOG9CYlpSNktabnQxdjZNTXpGbEhKaTJZeXJIQ0tOTkVPdjVFSVNESldTUnMxNFA3dmRNV1lIVDlYaW02eWdpOXhrcW9MZmRkUnZKTVN5TlkwejNJLWVJa2RhNGRfSmxVU0J3dDA1YWM4OExKYi1vczF5TUdQQTVzTDRNSHU5QzNtd0U?oc=5) · That Eric Alper
- 2026-05-29 [Riley Green återvänder till sina rötter på nya albumet THAT’S JUST ME som släpps 18 september - Mynewsdesk](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNTl91czJPN2FCWm04MHphS1RpaEVMYm1wSTlfbXNnMUZzOEIwQXBBakQyR0k2N0hYX0gzOXg0aEpzNnV3NHRLMDdSMENYaU5OT1RqWWhPSElWZ3YyYW1zWjdvZmtGZGJlMlFIYmFNNTVNQkVPSW9rYXJMaXhMQ1BpRmVTM2tJUUhCdzN5WUt2c0pKWmZlY21yX0hWOVBnUG9FVnl6Q3BoeHprZXkxT2xuOTZ3RVRBS3RDNndDbjF6SWNDVm9yR215TWpVNkpOamFldWJ1X3RDQ0x4ZDRpTDE2cDNVVlloTEJjVXVLWQ?oc=5) · Mynewsdesk
- 2026-03-22 [Ladysmith man honoured for showcasing credit union history - Cowichan Valley Citizen](https://news.google.com/rss/articles/CBMipwFBVV95cUxOc0ZJWDd0UVg0SEliXzRETWhiTTRfWUdhTUotTUxyWl9ncXJKX2dXc2JmQkhrcFRaLUhFVWFNYUpsOUJRakZCb0lMQWZZbktNbVNRNDh2ZUxEZ3VwT2Y3WUp6ejU4V3BPX0Y3QkNtSWRBc1BzVTJzLV9sOGZRWW5adGJXWWlORUI4Q19VMlczZGhRcFdubUMtZ21nR01Ca2JvOWpIZFhhYw?oc=5) · Cowichan Valley Citizen
- 2025-03-13 [BDCU celebrates 85 years of service - Boulder City Review](https://news.google.com/rss/articles/CBMigwFBVV95cUxPekVYVDU4NGpEZnpHYXJOWEZkeXpkREdQQXcyMXZOZ0MxWGpxSFBReHpad3NYUWdmU1VRc3otbVdjclNZZ1RIVGcyYWtNZ1BnQWtzZU91MUpNWXZBbEl6YzBBamZVd1RBaDFMdnFMcTBlQVBpUkZuTGowSDRITXpKa1o3cw?oc=5) · Boulder City Review
- 2020-11-20 [Doug Fecher's leadership philosophy draws upon lessons from his father - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPLVRPT0hYSlNMYnFqME1TZ3VXOU1PSVl5RUV1VzJFUHBjajJpXzRISG5LNW94REVlSklSZjZ3eWlMWFZ4Z05xNlhVakl1Yjh1Q3lTVV9JN2FCVm9ubHBuel94YWdkdkFIRlpaZU5zQ3QwaG5ScGFPdjA0emVSV3FTR1pFVDZKb3ZPdG5VX3dKZDQwSUJweGhfNEhBSTVjMDVJ?oc=5) · The Business Journals
- 2019-03-13 [Milestones: A Tribute to Toledo Women - Toledo City Paper](https://news.google.com/rss/articles/CBMifkFVX3lxTE9lRlVFVmFzbUtNbXVyd0ZMLXg5RFZYem9mTlpNQ21lN2lMeUM4MnZsdnhOZ1dpRnNlTndVM2Q3d2huSW5VRmFnbWNDQkUzMVJPakV4aXp2LXNiVGRsX1JGSG81TUt5QkItVGMwV1RXMnM3STNKclgwYTFFdl93dw?oc=5) · Toledo City Paper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5144 (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/24.json (key "5144", 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=5144
- 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