# SACO VALLEY
Saco, ME · NCUA charter 68324 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/saco-valley-68324

Who the members are: state charter, organized 1947. 9,215 members of 528,816 potential (1.7% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 65.

**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 | $196.0M |
| Members | 9,215 (0.4% YoY) |
| Full-time staff | 28 |
| Net worth | $20.9M |
| Net worth ratio | 10.7% (p35 of band) |
| ROA (annualized) | 0.86% (p61 of band) |
| Total delinquency | 0.29% (p22 of band) |
| Net charge-offs (annualized) | 0.00% (p8 of band) |
| Loans / shares | 90% (p90 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.24% (p26 of band) |
| Operating expense / assets | 2.99% (p26 of band) |
| Vehicles % of loans | 15% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.22% (p23 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 50% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 36% |
| Average share balance | $7,945 |
| Participations bought / yr | $1.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $18.5M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $26,235 |
| Loans granted, annualized | $30.3M |

## Participation posture (from the same filings)

Bought $1.3M and sold $0 in the latest annualized quarter; $18.5M outstanding purchased (88.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | thin capital |  |
| 2022-06 | 0 |  | net worth falling, thin capital |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2023-10-13 [What are the best companies to work for in Maine? - WABI](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XTFA0dkVydWpSSVdSbmtVcDhRZklsN2dVeHhRZldUMU9ZNGhwOHBYaTRXc0F4dkZTeEQzY2IzdFhySW1OMlJHMl93UnhQWXY4SmpWWm1VY1BfakZ4OU9nZGFrQjlFM3UtbTBwaHc0UTN4MmY10gGIAUFVX3lxTE13bk5XUU9sNkU1MUJINE54OWcwYTIwM2pKSUNfQkMwbjZlaU0wa2lTQUNYUVd0V0l4V0tITi1hMW9JMmY0OWxValc0OVBKVUd5eGt5N0d2M1F3ck5WbXhMeHIyWGlBSzQxSktxSFIyMlNVTExBZTByeGpwMXBtQnBVd21tNjBRejk?oc=5) · WABI
- 2025-07-16 [CU Chief People Officer Brings Leadership Style ‘Grounded in Clarity and Care’ - CUTimes](https://news.google.com/rss/articles/CBMisgFBVV95cUxQVkFqekNpVTQtNUh1MDg3UWJXNk1SLVFGR3lZRVJnMGtFWkdUQlZHSy1Hd21fV1d5cmNfdWE2T2ExNDZ6cmxYVy1yZHBLNjZFSlpSTmJ5OXVoUnVxRWMtV0VHMXo3OVRVUi14YnE0Y1VXVVNNUnlNWEozQV9LSlE3NEdRaXlnZkwzZ0ZYWEFxd2pSQlhWS3ptcnNTdzR5cTNDRnBSem5WcHg2NnYxcjdQME1B?oc=5) · CUTimes
- 2024-10-23 ['Best Places to Work in Maine': Companies on 2024 list ranked - WMTW](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNWs4WDhRT0pESWh0MDR3NFlBZkxkX1JfMmNpR3RHUkcwdWJpVmZUbE1mNENaRTlGOW4zOGpYaVJJVGV2TFhOSjZ5bDljQUNiUHJvNVR0dEhoRDdnWEVlY244NU9rRXBLbHZ6TDluUUxOSElQcjU3M3NjTTBCTGxrdWdFX2NMQmhWUlhF?oc=5) · WMTW
- 2023-10-12 [Here are the 2023 ‘Best Places to Work in Maine,’ ranked - Mainebiz](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTndwcnZhSGxqdWE5ZUc1b21Qd1JzN21aMkNILXVjY3BKNmlzWTh0Rk03cFRWNXFhZ0ZtMldGSXZVV2RiX3NxMXlTZGZZRkJtbGU0T1Y2VkFKVE9RQUFZQnlaYkJ3SllxcWJpVGRUTWpKaXllTVd0MDZWT2J6OGVNam9CVUZpbVRRbFJF?oc=5) · Mainebiz
- 2026-05-07 [Renald Labbe Obituary - Palm Harbor, FL - Neptune Society](https://news.google.com/rss/articles/CBMif0FVX3lxTE50NTFRdUxJenRlQWdxV0ZIRHdfNkJBdjZ0NEUxNEdPdDJraFBVZFh2VndwLTRKM01GbzViOEdibTdTdjJZallsQUthQ1dZbzYwd0QtS0ZqdmRmWVVfX3B5R3ZDZmE3ZTQ3TmQ2Y1BNYllJYTN3RWdKU2hPQU5UNGs?oc=5) · Neptune Society
- 2023-01-07 [Michael Crowley Obituary (2014) - Saco, ME - Portland Press Herald/Maine Sunday Telegram - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNOTZ5ZTU5dmNjTC1qVk9GVDdBcHFZazBRc2s3OFFuTkNGcHY4b1lxS2VlbV90UklHQ2p1RTA1ZllyNGJVZm9IYXMzUy03dVpuODhvUHh6b3BiNmJoSG5SMlIxUWljelJDYXh1Z25sVm1NVTM3MDNFazA1ZHc5MUtJWldjeEliOWpuNHhxTXdhY094bnNLdmF3RWJNQUFzY3ppdENB?oc=5) · legacy.com
- 2021-10-09 [Demain Sullivan Obituary (2006) - Portland, ME - Portland Press Herald/Maine Sunday Telegram - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNZmdZOV9fRWw5R0FOc0o1bEM1SUxDU1ZXa0FMclE0a01wVkpwOTJ2dk54NnVuMWtDaFZoODB0NnByN2ZIS3FrRHQ0Y1dtX3U4WVR1OTd3TmlGLWZLZDZHWEEtQ2p3cjhrbFg4MGVuTmhob09SbE5hdnc5eUJkN2xxVWNkWENLVkVqaFFqenB5NWMxOGcxeGVsOGo3MDBPMHFHanc?oc=5) · legacy.com
- 2021-10-16 [Robert Tarbox Obituary (2012) - Dayton, ME - Portland Press Herald/Maine Sunday Telegram - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPa3ltU3ZjdUthelZCT2lPZVYzWVVYaHFtWW9oWUZ4TzVzRVQ5a0E2eXNYUXotRkdJSWVYLXJDTGdIR3JZcVdfNlhjS0tqaWpJTFFBSzJ3YTBJQVhzZzNSRjY1TU1TcHpJTGY3OFQwbEptRzBjMDJKeEdxRGw3NnpCbHlDUk5pZ0hxQU9FZTVva2tzUEVyQ2NIUmtUTjZ1N1Bv?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68324 (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/36.json (key "68324", 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=68324
- 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