# CONNECTED
AUGUSTA, ME · NCUA charter 62976 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/connected-62976

Who the members are: state charter, organized 1967. 7,611 members of 250,000 potential (3.0% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 99.

**Verdict on the desk:** this could be *quiet fade*. 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 | $133.6M |
| Members | 7,611 (-3.0% YoY) |
| Full-time staff | 21 |
| Net worth | $14.8M |
| Net worth ratio | 11.1% (p42 of band) |
| ROA (annualized) | 0.98% (p67 of band) |
| Total delinquency | 0.23% (p17 of band) |
| Net charge-offs (annualized) | 0.30% (p46 of band) |
| Loans / shares | 40% (p7 of band) |
| Cash / assets | 30.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p28 of band) |
| Operating expense / assets | 3.38% (p41 of band) |
| Vehicles % of loans | 45% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 70% (p63 of band) |
| Vehicle delinquency | 0.36% (p35 of band) |
| Vehicle NCO | 0.83% (p67 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 20% |
| Average share balance | $6,856 |
| Participations bought / yr | $567,208 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.0M |
| Loans outstanding per 100 members | 99% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $6,201 |
| Loans granted, annualized | $20.7M |

## Participation posture (from the same filings)

Bought $567,208 and sold $0 in the latest annualized quarter; $9.0M outstanding purchased (60.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.3% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 | 1 | losing money |  |
| 2017-06 | 0 |  | losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | net worth falling | delinquency rising |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 0 |  | net worth falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, delinquency rising |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 3 | 3rd-party paper>100% NW |  |
| 2020-09 | 1 |  | delinquency rising, 3rd-party paper>100% NW |
| 2020-12 | 2 | thin capital |  |
| 2021-03 | 4 | margin squeeze, 3rd-party paper>100% NW |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 | delinquency rising | margin squeeze |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | delinquency rising | thin capital |
| 2023-03 | 3 | thin capital |  |
| 2023-06 | 2 |  | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | members leaving | delinquency rising |
| 2024-09 | 1 |  | 3rd-party paper>100% NW |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 0 |  | members leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | members leaving |  |

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

- 2026-03-12 [Three men charged with burglary in Augusta taken into ICE custody - WABI](https://news.google.com/rss/articles/CBMimgFBVV95cUxNLTluUnRublNmeVBZc21MMHNJQUlhNkdrVkpxOHFQR3F1YjUyeENId1VFNjd5Z1hwVHVQZ1YtYl95dkxOS2daWDBCQ1RPNklnTm1JY0MyWFFQRkx6NG1FeFJDN01tdjFLSTY3Z1JLUm5uYklsSkJNNWRjYWxmWkhWaXc4a1d3TzFZaEtyT3RZbkQ4UmNPMnNCMTlB0gGuAUFVX3lxTE1VbmxSdDFBM0t0WlVZQ1Z1N3U0ZG85V2doa1FBaWYwalNkWmo1RTQ4YkxhM0RNMTVueWFSN2hmc0xEMHd4WjVDTDNqQnNWMnpNSThfUVZnd0tjTUIzOUNIZUtoVnUwem9TdzBTNDM3THFyVVE3RDhabkhXalkwTUFGVFVXWS1zd3Vob29KRFRFQkFMMlhaREsyWWhWQzZYTjBNNU5lSWZUUFJyRm9fQQ?oc=5) · WABI
- 2025-12-11 [5 brutally honest marketing resolutions every credit union should make for 2026 - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQa21mRi1mQVB1ZG5UZ0pabFZwVEJxbVp3eUkzYWpuWWxoYlQtWExJRFNtT2cteXUyMkxuSUV1dVBIWVVuOEI1U3k5RWFFZTlxbkJXNEhEQ3praGdLUEd1cFZROTVUZ3ZDTWxjSzRZMzNzb1prbE5xdFdsY1VRQURmV0NhM2dZSG1JZzNNbGVVN2syQWRKUnd3UmE0S05OM3NPM3NieWJ5TkZhdw?oc=5) · CUInsight
- 2026-03-02 [ATM ‘jackpotting’ theft spree included $60,000 from NH credit union, DOJ alleges - Manchester Ink Link](https://news.google.com/rss/articles/CBMirAFBVV95cUxQVXUyV3dpZldFcmx3SnY1eDBHdUh5S2I0RVVPVjkxcWxZYnR1RnFCNWlBMEJvREVtUzQ4OGJCbFJMTDRKNmFMUm9JaWRBekExWmZackZuU2thUGFET1JiSU1XVUFuZHFiaXZfQ2R4SXUwNTlGeGExdHNuenJudnRmcEpMRXhEWnI4WWtoLWRuSVdUeFRoRHUzV1pHNVR2aWNKLWNfUEg5S3diTHhx?oc=5) · Manchester Ink Link
- 2026-03-09 [Suspects Tied to International Crime Ring Accused in New England ATM Jackpotting Attacks - CUTimes](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNRV81RFVraXJLTjVCc01ickZXRHQxMXlJdGhrcm5BYXJ3azAtMFN1dkZmRXpFS2RIVmlZUmxERlpSaUxNWHM5NDFUaDRGUzFQYklTS2c3eDdOemdFUW1TMUhobjV1VHNIV0pWYmQ5SThZOC1VaVI4OW44bDNna0w5MDZOMVNsWm9vSHdBTjVTWDlsZE83RDljXzRTT3d1cDN5SzNzY2htUkJVSm1RcTNXY202UEV6cDhwNDl4VGVjRU04UQ?oc=5) · CUTimes
- 2025-11-24 [Kara Cardona ’07 pays it forward as Navy Federal executive - connected.ccis.edu](https://news.google.com/rss/articles/CBMizAFBVV95cUxPbkZvYjZDTkFTUC05SXVFN3Ewa3RZRi10a0VySnRJVG9nLU1YS2I0NVB6SnJWakw3N0otLVNTa2NVaGNWaUlMRFBwUzc2REZ1bmdUZjBuSzBpNzYzcVZkRklHeDBGWlFqMWVRWi15V2xhdFdjNjZXNE8yc0RUNHQyZjR4UnFTMGlhNDNQUTFpOTRyUGxQQk1PN19ybFZISHhjVlBaRmpveEJfaXRaZ2k4ajNWdnhkcVYzMzdpdVB6NTFnOS0yZUUtMUxIWk4?oc=5) · connected.ccis.edu
- 2026-05-08 [Cassie Fortney - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxQRWdIUzRKYmVMOWdMNHpLY3JsRHc5WmFlV2RZNmdScmxBenk0YTg1NGI4dW5seGo4VFkxRVBMUWJqR3lZN3JUS3prOHhNZ0JPOGNtWDlBczI2Mm40dnJoVFBrSzBZOVlRdGp6c0VNUVNDS3lZNE5wRU9DdWEyOXExckg3LXVzUQ?oc=5) · The Business Journals
- 2025-12-18 [North Carolina food banks receive $500,000 from State Employees' Credit Union Foundation to combat hunger - ABC11 News](https://news.google.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?oc=5) · ABC11 News
- 2021-03-23 [NCUA Chairman Todd M. Harper Remarks at the Maine Credit Union League Town Hall Meeting - NCUA (.gov)](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZFVlM0xNU3N6OG5hamZreS1MWGNzcl9zVWRhc3o4NXhJVERwZTB1eXdWX0pUWjZhOFVidms5U3pPSXIxWHNGRDE1ZGdIdDM0M0I1MEVRSGVaTDZ4M2FHTEkxZnNCdU5yNFk5MkZmT2c1UXNEaldHUUJEbl9LOW91RlluNXUwNThfTVVxUzAtYVhpRXFzaGJUenl6ZDFoakRsV2FMdDBqV21XY2I3OE0tTW5uOHRudnMx?oc=5) · NCUA (.gov)

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62976 (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/0.json (key "62976", 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=62976
- 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