# COMMUNITY
Lewiston, ME · NCUA charter 63447 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-63447

Who the members are: state charter, organized 1945, low-income designated. 14,776 members of 322,014 potential (4.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $120.7M |
| Members | 14,776 (13.9% YoY) |
| Full-time staff | 39 |
| Net worth | $12.5M |
| Net worth ratio | 10.3% (p31 of band) |
| ROA (annualized) | 0.16% (p16 of band) |
| Total delinquency | 1.61% (p88 of band) |
| Net charge-offs (annualized) | 1.53% (p96 of band) |
| Loans / shares | 87% (p85 of band) |
| Cash / assets | 19.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.13% (p97 of band) |
| Operating expense / assets | 5.14% (p89 of band) |
| Vehicles % of loans | 50% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 157% (p79 of band) |
| Vehicle delinquency | 1.90% (p90 of band) |
| Vehicle NCO | 1.45% (p84 of band) |
| Repossessed % of vehicle book | 0.14% (p82 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 30% |
| Average share balance | $4,421 |
| Participations bought / yr | $14.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $21.5M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,596 |
| Loans granted, annualized | $31.6M |

## Participation posture (from the same filings)

Bought $14.7M and sold $0 in the latest annualized quarter; $21.5M outstanding purchased (172.7% of net worth), $2.0M sold and retained. Sold in 4 and bought in 8 of the last 8 quarters. Shares 6.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | net worth falling | expense trap |
| 2016-12 | 2 | expense trap |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | repo signal |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 1 |  | repo signal, delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 3 | repo signal |  |
| 2019-09 | 1 |  | net worth falling, repo signal |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 4 | thin capital, margin squeeze, delinquency rising | expense trap |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 | expense trap | margin squeeze, delinquency rising |
| 2021-06 | 3 | 3rd-party paper>100% NW | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | thin capital |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 5 | delinquency 2x band, loans>95% of shares |  |
| 2024-03 | 5 | charge-offs p90 | loans>95% of shares |
| 2024-06 | 5 | net worth falling | delinquency 2x band |
| 2024-09 | 3 | delinquency 2x band | expense trap, delinquency rising, net worth falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 1 |  | delinquency 2x band |
| 2025-09 | 2 | delinquency 2x band |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | net worth falling, charge-offs p90 |  |

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

- 2026-06-04 [Safety concerns prompt significant changes at Lewiston credit union branch - WMTW](https://news.google.com/rss/articles/CBMiowFBVV95cUxPcl91RnR5YnVib3JlU1oxcUVLTWphZ1BKb2pZelJxNlBESGpkVDNyX19TQ2phbEFILXc0N0Y4TWhTamY0SFh3YzI4VGU1UWVETHBWMGxhRFNra2FJdnh3TGhFWHN3LVFMZ1F4MmZ2Vm96U3cwZERJcU5VbklObURsZkx5RGN2cF9DQjJCLTNnTmtRbnFCeENGcTJ3LXFHcWhnbUNJ?oc=5) · WMTW
- 2026-08-22 [Maine State Credit Union adds Belfast branch; grand opening Aug. 24 - PenBay Pilot](https://news.google.com/rss/articles/CBMinwFBVV95cUxOUVBpX3FlenZqY1g3ak5UNTBRQnAzTHY5VVZLXzlUZF9KdThUOE8zNTV6RGx1OGtUVG9IWTRQY0lGZnQ4WlN5ckQ0ekZTTVpMbnJBa2RpNWNZZzMxakJHYUJOaHF0TkZjM2dPMWV0TnJCTndBVXYwR3QwVGoxRXFieDBrdkMtOGhqNG0wZ2xhb0ZRaVotRWZUdmdKOTBob0U?oc=5) · PenBay Pilot
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-05-16 [Maine State Credit Union announces 2026 free community shred-it days across six locations - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxQWUEydWEyWnJlRkNiZjFvR0ZlUE9JN2pGTEN6RVJzRHpEQVpiYXpfanBpRjhqcjlmc0FHRVdPS0Z6R2tqdk5tMnExNHBHOFlGb2N1c2JMWEMwQTZnaGF3bjBqTnJmdFh2c19Dcnd1SU1rUGt3aDB3SjVCeTd3cGZ1c3hMVlBzYmxZS3d5clVmdEQ2S05wMWF5LXJQYWNrT09pampRLVVqZklLcFpaRGt5Zm1Nb2NsNGR4WTBPM1pOVVFLaFRYSkwyd0xR?oc=5) · CUInsight
- 2026-07-09 [In the Community: OnPoint Community Credit Union Foundation - KGW](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQSVMyN3VXYVdSNURzeWV6OG9GQm1QcUQ3VmlaeDFMM2dOenYwR0Rsd0wybG96OFp3V19vVkRSaWtGTGpCcVJ4LU02a0lRWmdPZTZfU0N5RE9WQi1kLWRTSnhLVjBTUlFjZVpfYWhwcEhWWm51RnYtdUdxS1dxMGZoUUdoOUVlTkFVNFlnWml2d2xfaHl0LXZ1cEZoQjdkT0FnRy1EOXZpQ2wtXzRFSTAwQmFqWWRTVTM2LWJPZ0xCcE5nX2U4VF9CQjFNbDV2X0lBZUxGWmhMeVgzbms4TzZWRnZTUDA?oc=5) · KGW
- 2026-06-29 [The County Federal Credit Union donates $50,000 to Northern Maine Community Trails - thecounty.me](https://news.google.com/rss/articles/CBMixAFBVV95cUxQd1p6OVh6LTd1dU14aXF1dGJvaF9pQkRoYnFLT1hvNDJsOU8yUXp5eFN2X3ZPVTV1THE1ZS1zMEk0aEhQVGNIMXdfOG01MS1Qb2h3MDRHaTBMR215RjdlVlJKTUFkMnlFVlUtVDJGX2RFX2lOUTBndzg4dWxZUEU0VnM5RWg4TnlkQ2tjU3pfanh6aVpNdmRJUWlodjFmWHRMd1RhNDRBQlVWcVM3Umo3MkFLa0k2Skh1VHFxdGtBVnlyUjNn?oc=5) · thecounty.me
- 2026-02-12 [How To Choose The Best Credit Union: 6 Things To Consider - Bankrate](https://news.google.com/rss/articles/CBMieEFVX3lxTE1wT3M0U0Y4ai1YaUVEVF9NQnB1Z1VZZld2bTJJbi1fTm8wRXZWNjA0WVNlT0l1dTRPVGJoNUN5R1FJMEp5cDZZaFJkOGg2Y0Vzd0tCS2xiXzJCeXcxVFBSZ0l4TFVoNUQ1R01VRWZFRWR6VTRpaGltdw?oc=5) · Bankrate
- 2026-08-04 [The Future Of The Credit Union Movement Is Sitting In The Back Of The Room - cutoday.info](https://news.google.com/rss/articles/CBMiswFBVV95cUxNS2ZEeWxheXVKQlFOUFl1VjJtX2lKd2M3c2pPZExMQmJ1MVZRRjBOWTRaYzg0ZmJxdEJaV3VKNnFGVktiWUZXWEtJX2dNb0RJOXNqbURkekJEa2hrS1JvMnpvcldDVG9rQXBBRTRBeHR1Tk1kbWpBQWZiUVlhVGZMV2lLNWIzTEdrZFdCajg3OUxLOWdCN1ZiYlU3NjRPVV9NMUVaUk04NTRhTW5kWFowbXVkWQ?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63447 (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/23.json (key "63447", 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=63447
- 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