# ANCORUM
Bath, ME · NCUA charter 67993 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ancorum-67993

Who the members are: state charter, organized 1956. 30,563 members of 996,709 potential (3.1% of the field); checking penetration 86% (share draft accounts per 100 members); loans per 100 members 84.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $405.7M |
| Members | 30,563 (-1.1% YoY) |
| Full-time staff | 131 |
| Net worth | $38.2M |
| Net worth ratio | 9.4% (p21 of band) |
| ROA (annualized) | 1.38% (p88 of band) |
| Total delinquency | 0.52% (p43 of band) |
| Net charge-offs (annualized) | 0.37% (p48 of band) |
| Loans / shares | 79% (p62 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.01% |
| Net interest margin | 4.07% (p80 of band) |
| Operating expense / assets | 6.09% (p99 of band) |
| Vehicles % of loans | 26% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p20 of band) |
| Vehicle delinquency | 0.36% (p33 of band) |
| Vehicle NCO | 0.77% (p58 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 137% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 19% |
| Average share balance | $4,927 |
| Participations bought / yr | $1.9M |
| Participations sold / yr | $1.1M |
| Participations outstanding | $71.8M |
| Loans outstanding per 100 members | 84% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $10,998 |
| Loans granted, annualized | $65.6M |

## Participation posture (from the same filings)

Bought $1.9M and sold $1.1M in the latest annualized quarter; $71.8M outstanding purchased (188.1% of net worth), $30.2M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | thin capital, net worth falling, losing money |  |
| 2020-06 | 4 | margin squeeze | losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 | members leaving | net worth falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 2 |  | margin squeeze, members leaving |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | assets shrinking | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 1 |  | members leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 4 | thin capital, losing money |  |
| 2025-06 | 2 | delinquency rising | net worth falling, thin capital, losing money |
| 2025-09 | 3 | delinquency 2x band |  |
| 2025-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2026-03 | 2 | delinquency rising |  |

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

- 2025-09-17 [Bath-based credit union gives itself a new name - Mainebiz](https://news.google.com/rss/articles/CBMigwFBVV95cUxPWjZqVVVmMGtGVXRGR0NSeXZFaWZTUnJnMDdDVlh4VVRnQWRxX0kycWxrWVNxdVNUQnczNVFtTW15bmlXeDd0SVM4MjBGbVB1d09CU1FzSDVtZllja0J1S1cxamd3TE1ObEM2ZXE5cHJ0ZzBCRDNTOXU0Nk1jSG84M0FqOA?oc=5) · Mainebiz
- 2026-08-21 [Ancorum Credit Union - Mainebiz](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9mMGV4VEJ0b0hkNWRYcGFoSzZGNWtiaDhobmNXY3MzbnExWVZUMWdxS3p6LUlmSE04eHVBaTM0aFE0OXVtd3ZzN21KYWdHUkREbE9USnUzZlhTdWMtZzdV?oc=5) · Mainebiz
- 2026-02-27 [Bruce Dana Wilson Obituary Feb 27, 2026 - Hobbs Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFB5R2lBSGZ0LTVvdFd0X0tsN29YVWRFNnR1X09YWS0yZmlfX2UzRm1QX1J4Q2hhUzJQWmRzNGRVSldKSm9TdXJVTjZ4U1VoOWdkb1UxM0lYOFJ2Z05nY3JjMmhRd0NGWnc?oc=5) · Hobbs Funeral Home
- 2026-02-17 [Oxford Hills to vote Feb. 24 on $3.8M bus garage - Sun Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxPcnlPeXg0U2ZKbUhsRVJla2RhUmk0RzlWOHo5UjJTUnJ3TmZQeHNYWG9sZU5sa3FTMHlrQ0g3X2lNemFSZGZPZzNVR3V2dDljUnoza1VPQmVUczhrNXRYd09pSVpqYnJiVGF0d2I5U2w2azREQ3hpc25zVnlkZ2MyM2xoZFU4cmdCM2k1VURSMlRWUS15a3RfcA?oc=5) · Sun Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67993 (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/25.json (key "67993", 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=67993
- 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