# SABATTUS REGIONAL
Sabattus, ME · NCUA charter 64062 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sabattus-regional-64062

Who the members are: state charter, organized 1957, low-income designated. 4,728 members of 150,000 potential (3.1% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 81.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $85.8M |
| Members | 4,728 (3.1% YoY) |
| Full-time staff | 16 |
| Net worth | $8.6M |
| Net worth ratio | 10.0% (p21 of band) |
| ROA (annualized) | 0.77% (p55 of band) |
| Total delinquency | 1.00% (p72 of band) |
| Net charge-offs (annualized) | 0.02% (p21 of band) |
| Loans / shares | 48% (p27 of band) |
| Cash / assets | 52.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p30 of band) |
| Operating expense / assets | 3.47% (p47 of band) |
| Vehicles % of loans | 45% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 96% (p85 of band) |
| Vehicle delinquency | 1.27% (p78 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 15% |
| Average share balance | $7,286 |
| Participations bought / yr | $567,292 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.7M |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $9,666 |
| Loans granted, annualized | $18.0M |

## Participation posture (from the same filings)

Bought $567,292 and sold $0 in the latest annualized quarter; $9.7M outstanding purchased (113.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 | assets shrinking | thin capital, delinquency rising |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-09-27 [JP Normand LaPlante Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNEItYXBSa2hId0t4SFZaeUFhWXQ3eWI0ZHJWS0ljakFQb0x6VjF0Vm1WX0hlbEZQcDNicWxEbUxORDNiMEltTDRBbk0zRTRCOHZiZ056WVJUT2FJSndtMTJEUjluMWI1MnU2UG41cXZBdUd0TVlZQlpLWlVNZVZlWUR4bDRDaG8yZWNB?oc=5) · Dignity Memorial
- 2022-12-29 [Obituary: Michael W. Hannigan - Sun Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTFBuOGEzYlRrX1UxU25rSFRNeEtubDlNaFdfYnVRTUtXbE5WcXF5bkw5a3N2emxsc0RWNzlNTFlDQy1LSUZhc3V2Ulhta0E5VmZVSFNZQ0Nob3BLbkk2V0RlT2VaQmpRT0IyNmkwODRVcHNLZnEydnc?oc=5) · Sun Journal
- 2017-02-10 [Lucille Terrio Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQMzdtdFlWbS1YSFVjZTZJM2JnVWU4Ym5OZmRQSEZSUFZsV2hZNnlXb3V6aGdHZ21oak9mSERhZ2FNNlZWZGxpaDV5djV4RmRVYUJXYXJ2b0wzdXFCd2RrN001V01Wb0ZUSFhTVWptbUNQUnV4WWcxRkpBT1VwZ3JWRjMxMDE?oc=5) · Dignity Memorial
- 2019-01-14 [Armand Cote Obituary (2019) - Lewiston, ME - Central Maine - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOc1VWVjhzQUlqbC1SSWdwWjh2SEROYWlBcnpNOThzZS1lVkdqM0gxQ3R1cnhlZ0dhOHRaS1ZCYk5RTUFGVXItUHEzakJvVUNQTlg0SGRtTDY4WUlsMThWdVdOTGZYSEZaX1h1dkVMeVNEbjFlbk5STXI1WnhkVGxXNEI0VHdtcG1CMUMtWHFXNnU2S09FTkJndHlHeFZiN0E?oc=5) · legacy.com
- 2011-10-28 [Anne Lachance Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQS01KMEpVUUJvTmdwM1EwNjJtY0dVT29RUGZMSjZIcEl0ODh1MjlHbDBDZHd2ZVhLRk5RUWRBSVBWLW1ZRml0U1lFeHRMZUJoaV81M3VkUDU3RTZaS01OOWVDRXFScU40WUxsaGFEMG1IYU5MTms5cGJfTk9rMV9HVGUwVQ?oc=5) · Dignity Memorial
- 2019-12-11 [Stacen Doucette Obituary - Auburn, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQdzczQUh1UjBtV3NnQS1pZVdNSnM0SnBhMDFvT2hYZ1FzeGRfbFlYWFVjMldPOHppTDRMNENQMzFxclQ3RjYxTUJqQ3NPN1VkbDdKR3dHVjNZZHFwYWxzMl9NZXdTaGJycTE5X05ZdWxrd0QyS01FUnBweUVJQ3BEY2xB?oc=5) · Dignity Memorial
- 2011-03-14 [Charles Hinkley Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPT2JCSExxUVZUUVAtdnR2ZUxiNWN2eGhhdGZsakp5YVd2c3p3MWpGS21xc294X1hPNjBLamJ4eE5JaU1nazViR0JZZUU0RGNVcVdoV3IwNFZOb1d0Smt3b3k0blU3QjFVdms1a3ZWaDNUVXFVQTAzbWk1dW1KWUxsTTUtUDRDdw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64062 (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/62.json (key "64062", 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=64062
- 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