# CPORT
Portland, ME · NCUA charter 63828 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cport-63828

Who the members are: state charter, organized 1931. 37,387 members of 786,521 potential (4.8% of the field); checking penetration 91% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. 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 | $439.2M |
| Members | 37,387 (5.2% YoY) |
| Full-time staff | 102 |
| Net worth | $45.9M |
| Net worth ratio | 10.4% (p37 of band) |
| ROA (annualized) | 0.26% (p19 of band) |
| Total delinquency | 0.90% (p74 of band) |
| Net charge-offs (annualized) | 0.20% (p28 of band) |
| Loans / shares | 76% (p52 of band) |
| Cash / assets | 20.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.38% (p38 of band) |
| Operating expense / assets | 4.84% (p91 of band) |
| Vehicles % of loans | 20% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.67% (p59 of band) |
| Vehicle NCO | 0.52% (p43 of band) |
| Repossessed % of vehicle book | 0.14% (p79 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 102% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 17% |
| Average share balance | $4,762 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.4M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $26,524 |
| Loans granted, annualized | $102.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.4M outstanding purchased (18.3% of net worth), $3.9M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | thin capital |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | thin capital |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | expense trap |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 | repo signal | assets shrinking |
| 2024-03 | 4 | net worth falling, delinquency 2x band | repo signal |
| 2024-06 | 2 |  | net worth falling, delinquency 2x band |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 3 | net worth falling | delinquency 2x band |

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

- 2024-03-20 [2 execs at cPort Credit Union promoted to senior leadership roles - Mainebiz](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbmRRb1pua2V1TzBZY2tManBRYVYzMUZxT0JrcHJ5TlQ4UE11ZTB1T2FuVzdYZ1haMVBTM0dWb3ZZcjVXZnp6Sl85eU9GUXhPcDhsRHZhQWhRdGp4OEx1cjF4VDJlWEl5Nmd6S2Y3LU9EblNQd1ZrVzZXUmtrbk1IX3N6M18wOVN6SzM2d0l1MWtoaTN4ME9tdDl6bw?oc=5) · Mainebiz
- 2025-12-17 [Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOFZxMXZybnh2V01ISTNpaFFJU0R4M1o4RllmMHlkRTZmLTJNanlRTWZBa210Rk5Ld25sMzNOWGcyUHViTEFTSVhoeUx0SnpMSENMNld4TkExVUlndW1mai1VbzcxNzhnblZjZFJXTlJyQzBacldMNElia2R1ZlpDZ2lvYVZfdlFIWW1z?oc=5) · Newsweek Rankings
- 2025-02-26 [Longtime leader of Portland-based credit union to retire - Mainebiz](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWEVMNXhia2tPcXVodWp4bWh3S1NPejJhLVg4V1dYQ0FUTk90aW9xeGJTQkc5MTFhalloamhwY1ZmNnZ3cnlVcFlfZjZXcktwT3YwVHRic0Q1WjFaV2E0MkJ2ZlhiVHBkM3kzRlUzd1dXY0UzWXhrTTVlVk90LURaV2JwbkR4VVhISEU2aEVEcw?oc=5) · Mainebiz
- 2020-10-19 [New rankings: Best places to work in Maine - WMTW](https://news.google.com/rss/articles/CBMihgFBVV95cUxNS2JabDdDeTdiajB2Ykp5QWhDMlNoelRQbGhjek4yNFJ0eENKYVNIallwSG40UGRxS0VveVdVa3EwNHFxZVJMcG1Wa2dadzhEcXlHUC1CSGtWaWh0TmJPVkVvaXllOXJpbmhhX1l2ZTFmdGRvTkpiRUVxQmdjVG9Lck02aUozUQ?oc=5) · WMTW
- 2024-06-13 [Blackie’s Farm Fresh Produce completes expansion - Sun Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxPYlZqVGtMaEJoOGxyZnBfaE1OQXpWaDQ2SGsyUGc2VHdFa0pZWWpURmlUdlM3UHZxLVFJSFR2MU9iclBZMGc3QXlaTEk5dkVMVEt3enhmS2RzV1J2enRDVUgzQXFMOW1peDVpWUlJYmVBWjZ6YmJ2SmVUbUVqU2lZR1JQNnpSNEYyMS14UVNXYw?oc=5) · Sun Journal
- 2026-01-28 [Hebert Construction completes credit union branches in Lewiston and Scarborough - Mainebiz](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQm9QamQ2Vi1lSmh5TnZHTVZuYzBHbHgwRmJ0SUFnYlBSelROb1pEbkxSbWhTb2VqMTdZYkJGRlRRc2hteW5HSHdOa3BFbVdCaGV1Z2hRMzdSS2JiQkdfS3dkTmJCd3dCaGVjdzhodmFRWC1yMjVPcXI2RmVTV3VkblY3c1EwSnBBdWwyamYwMzlJVXkzMVlpXzJBcnp1VC1ZNkNnMDRBbnlua01CX2c?oc=5) · Mainebiz
- 2021-05-31 [New Mainers land teller jobs, as training program opens doors for immigrants - Mainebiz](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPdTlqOUtCTGpjV2MzSmhiSzJZTW1LaTNSZXNobXdhVzVXM2ZyZU5FUEZwLTlOS2pFUThIdGQ5M3dZNVRiRmNxaW1xZGdHSWxybGNFZnotODZsQVVXcjZBUDJ0ZmlUYmF0U0J6cHFNbTMxeTU2Sm5QUTRUWk51SGJYckRiN0Y0bG9aVlFCdDZVRW01dzlqWlhmZzhEclhRU3JnbHV2TXBrWGo?oc=5) · Mainebiz
- 2019-05-21 [Maine Harvest Credit Union, with a focus on agriculture, poised to open - Mainebiz](https://news.google.com/rss/articles/CBMioAFBVV95cUxQTTM0NnMzbTY1NGZDM3pOWkRPV1d2MWNmcXhWQmZGV1FfTzV4SWt5d2xXYloyclB1ckZIM0hjNDNTSFN4YU1WVmNybjBfZzZkR1hvS3lZajdZM2RWcVVjNjg3cGdjVHYwRzZxbWZld0ktYlRWZmxJTDlNUjdIcHBjd29fUDQ4RlpxZHBWNHh4RDdZbkpXQzRORDZIekQzNm8z?oc=5) · Mainebiz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63828 (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/20.json (key "63828", 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=63828
- 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