# UNIVERSITY
Orono, ME · NCUA charter 63133 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-63133

Who the members are: state charter, organized 1967, low-income designated. 31,058 members of 994,546 potential (3.1% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $529.6M |
| Members | 31,058 (-0.6% YoY) |
| Full-time staff | 105 |
| Net worth | $49.6M |
| Net worth ratio | 9.4% (p29 of band) |
| ROA (annualized) | 0.50% (p40 of band) |
| Total delinquency | 0.28% (p20 of band) |
| Net charge-offs (annualized) | 0.16% (p16 of band) |
| Loans / shares | 98% (p95 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 12.17% |
| Net interest margin | 3.46% (p48 of band) |
| Operating expense / assets | 4.01% (p70 of band) |
| Vehicles % of loans | 18% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 5% (p18 of band) |
| Vehicle delinquency | 0.28% (p22 of band) |
| Vehicle NCO | 0.17% (p10 of band) |
| Repossessed % of vehicle book | 0.02% (p40 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 32% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 15% |
| Average share balance | $6,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.1M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $22,483 |
| Loans granted, annualized | $83.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.1M outstanding purchased (10.3% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | expense trap, delinquency 2x band, repo signal, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 5 |  | repo signal |
| 2016-09 | 4 |  | expense trap |
| 2016-12 | 3 |  | 3rd-party paper>100% NW |
| 2017-03 | 1 | expense trap | delinquency 2x band, loans>95% of shares, leaning on borrowings |
| 2017-06 | 2 | loans>95% of shares, leaning on borrowings | expense trap |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | leaning on borrowings |
| 2018-06 | 2 | leaning on borrowings |  |
| 2018-09 | 3 | net worth falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | net worth falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 | thin capital | loans>95% of shares, leaning on borrowings |
| 2020-09 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 1 |  | loans>95% of shares, leaning on borrowings |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | thin capital |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | thin capital, net worth falling, loans>95% of shares |  |
| 2022-09 | 3 | delinquency rising | net worth falling |
| 2022-12 | 3 | leaning on borrowings | thin capital |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | net worth falling | delinquency rising |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 | delinquency rising | net worth falling |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2026-07-10 [UCU Portland Branch Open House - Maine Public](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSFZMam1sNHJnOHdzRTJjWFdnWFNkcjM0b0FpSDBuMXRheDZWZHBDaEFqYmhKU3BBOEFKby1NYW9ma2FmUk44NXk4dGhvaWt0c19XdDhvSmk3REpQWm1Sb01PaG5MdDVQUFJqR2xLRmZzZXVNeXNvaXd1TnlxTWV6UTIzV2Z3S1FCMC0yN1BIY05BajAwc25KaXlBMFM1WnlNcXRYZ19B?oc=5) · Maine Public
- 2026-04-20 [Maine company packs over 40,000 meals for state pantries - WABI](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYVdDYmdCYWw4ZVFUQS1RemFpZUFlVnF1eEMycUE0TUI0OVVoLWhBSFVHRFJSejdmbHNBTXhGajhHVXJtQklZdmVVcHp6a1N3bWJsb183YjBVNGhhMVpOTDN3ZmtWcFlQV2hsYnk0aDJ4V01YdHQ3Z0tfcnhIMnQ5RUpwMnQzdVRMMk1V0gGfAUFVX3lxTE96ejNxUnJDWFgtaXp0dXIzZ3VCQzFBREFOZmM3eGVKcTFPWno0eDByZkNuVXdTeU5YZW1wOXdIRmJ2blNjRTY4XzdLTERYZUZYR196Q0E1QmpxY3V4aGoxT2MxSEVVa3NqOXctQWx0OGFKOExDYjhIYTVLZk41cjJJU0s2c1RzNGZvc2FHR1M4RDBOZDRpNlRWMDY1Mm16aw?oc=5) · WABI
- 2026-05-04 [Credit union now backs Raleigh HBCUs with $300M in real estate - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdjFpSmxtNFdfS2tzajJ3M0U1WWlhdHhlUlFTWGxVc0tTb2k4cWxCYkxXWEZjdUw0VmJYdGpzbmxZRjE0R3BPdlpnUF9wbGtOS2VPSGhVYzdlNXlnNHB4U0ZoWU51UnFTOXlzSE1mZXQ0TWlIc1F3NU5BOWZuZTBOdEVqMmUtRnJzcU11eFJWTmU3aWxrRkJRbDFlbVJNd2luSFlNeEc0Y0gwWXIw?oc=5) · The Business Journals
- 2026-06-06 [The County Federal Credit Union awards scholarships - thecounty.me](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZHUwWFkwdFhRT2Z6NF9ONFA0TjRQRVVjTVVuU2lIaVdJWDV0WmhiMXlnUjJwbEN5X3VnckNpcFlEU2NDUHktaUJId3VjR2hWUVZZc3pfTnNHT1dKV2NxeERoZjJEUW1jY1dHRHJEbXBIWFFObVQ3UlJMalBqbXVjRFNsYkxUSWRPb0xIa2JXT0NKLVVadExlRVlid1ltLTZi?oc=5) · thecounty.me
- 2026-08-25 [The Biggest Little Golf Tournament - Saco - Maine Public](https://news.google.com/rss/articles/CBMisgFBVV95cUxOeEZTRkQ4aWdyR2hIU3c5UXIzRndfR1FaUWd6dHBvUTBVQW1vX1QzVmd0ei1fMkVpVlN3OUJyZXVNNXlCZlEtTHQ4VG5aTEtoS212a0VCb3ktQ05qZGF3eVY5X3NwaXpIODRlTTBIX1hCMzg1VUZ4bFB0OHh0Q1pjZXNQMUVxWmYxZWtueWw5M2tuQzQ5UjVDNmpEV0lmWlNXT1ppaWd4SnJwNDBaeFkyc0NR?oc=5) · Maine Public
- 2026-01-08 [Armed robbery at credit union on University of Houston campus, leaves students on edge - ABC13 Houston](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWUFkc0xZQnYtR2dOVW1HMm9vZUhVSU8wUG5QX1h4MFh3WTNDa0RBSF92UTNpdmdER2RFMlFlaG1BWlVsMkR2QjZRd1hldmJDV1M2MkVDV00zN2laTzJjUzVJNGd2Vnh5NkNmUGM2RnBoZXpaTnR5MTVyVnA1d0RWdXpybktfelNvOHZITUtfYjZ1QkhKYWYwZ0VyQWx2V21RbklzNm1sMmlHQdIBrwFBVV95cUxON0lORC1haVhPUDM3WHBrcFhGcmFPc2h1M0FUNWFpZzhrX3hvcWttUFVKbjhENThxMW9ocGV6bVVDdVo2aURJd1hOU3dHS3llSGZqS2x0OXV5UDl4OE0tU1J1aG9SUkpOOUlkZWxjbmtuSnZvZFhTYk9XX3hSZUg2bWtGdkFCdzhwUFQyZWdEOG1ZZ1VMMFdvbmpWV2VsbTBqR0xOWDRmSWwtVHRwRVpv?oc=5) · ABC13 Houston
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2023-11-30 [Working At a Bank For Free Is One Of My Favorite College Activities - Georgetown University](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRWlTYjlOZmlrWGhHZk56TS1oS2JZcHg0cmpQekxMZGplU1hqSTFwOVpQTUJHRlo1bFZDQ3d5SmhXWU5oYXc4aUM4TFhNRW92OVZYc29tUUR2OUNDdF9aSjIyand2N0RCdXhWRmFHaUFfQU1OQlc3RmhfOTVma01zUUxHb3pnOF93OFYydTFEMnhOLVdQZFdfd0FxanI5VUNfLWc?oc=5) · Georgetown University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63133 (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/29.json (key "63133", 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=63133
- 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