# CENTRAL MAINE
Lewiston, ME · NCUA charter 6936 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/central-maine-6936

Who the members are: federal charter, community charter, organized 1950. 6,460 members of 125,000 potential (5.2% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $143.1M |
| Members | 6,460 (21.9% YoY) |
| Full-time staff | 18 |
| Net worth | $21.3M |
| Net worth ratio | 14.9% (p81 of band) |
| ROA (annualized) | 0.70% (p50 of band) |
| Total delinquency | 0.36% (p28 of band) |
| Net charge-offs (annualized) | 0.04% (p14 of band) |
| Loans / shares | 35% (p5 of band) |
| Cash / assets | 64.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p3 of band) |
| Operating expense / assets | 2.50% (p12 of band) |
| Vehicles % of loans | 35% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 57% (p58 of band) |
| Vehicle delinquency | 0.79% (p62 of band) |
| Vehicle NCO | 0.17% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 24% |
| Average share balance | $9,212 |
| Participations bought / yr | $567,208 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.8M |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $8,465 |
| Loans granted, annualized | $14.1M |

## Participation posture (from the same filings)

Bought $567,208 and sold $0 in the latest annualized quarter; $14.8M outstanding purchased (69.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.0% 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 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 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 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 | delinquency 2x band | net worth falling, margin squeeze |
| 2022-03 | 0 |  | delinquency 2x band |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 2 | members leaving, loan book shrinking | delinquency rising |
| 2023-03 | 2 | assets shrinking | loan book shrinking |
| 2023-06 | 3 | delinquency rising, loan book shrinking | assets shrinking |
| 2023-09 | 2 | assets shrinking | delinquency rising, loan book shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | members leaving, assets shrinking |
| 2024-06 | 1 | margin squeeze |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | margin squeeze |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2020-07-11 [Central Maine business briefs: Maine State Credit Union’s virtual walk raises more than $40,000 - Centralmaine.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9QOXhJSEtCSzVKX3RDYlFOTWtmWEliWHlFNGt6UWJXOVJrRDdNQmJWaE1uYWxLOFpoYTdWUmJOM21iMXVuWEhKS0gzSHA5SnFF?oc=5) · Centralmaine.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOb0VzQlZYRkxOZzhJRVpRdTQteTk0bWg2TU1GNG81MktkNTU4TV8xcEVTVF85SHJMQ0M0NG11ekFXQ1NOamxwd2FNb0I1aW8xWEFKMGJhT3NLWUNuRklnelhtWkxPY00zOW5iZkdLdFJYT09nYWYtYzlXWDJKMjBnRWtfUkRQWTFMTE0w?oc=5) · Newsweek Rankings
- 2017-09-13 [Normand Dubreuil Obituary (2017) - Monmouth, ME - Central Maine - legacy.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOM1lYNVJwRGRTZC14QThBVDVYUjduZzJwNmFTU1AwX1VESzVzbWtrTDBSTWtPcnFLczk5T01Za2VJdDJRTzBTX2JMQTBkZkNhaXBrYTJQUnVQZUtnSGtxSDZLY0dXMzFFRVptVmItNUtnTXlRbVNmUmhNYkw3WlV1bm5TQW5ldlNvaDVMMEwzUjBSWktfN2E2OXdFcm05WHRpZjRmTF9R?oc=5) · legacy.com
- 2018-03-20 [Raymond Bergeron Obituary - Auburn, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNQzd1cDRkMmROYWduQXZXY3NFVXZMRXVFU1lwd0R0M3oyLVctS01samJsRWMyTTVkMnRFa1RFdWw5cWhYbVFDT2NhcVdwbU05eG43Tmh0cHJ3TklVRHlmamNIZXhFQ2FOVGdUck9LLW45NW1jWFF3UlRmT1hyT0ZWS0NBVQ?oc=5) · Dignity Memorial
- 2015-04-14 [Waterville credit union CEO named chamber Business Person of the Year - Centralmaine.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVTN4dHNXUDNSSDNVYkh6V1AtTnZlaC1OSHE5dnNiOXFBZEZkOUdDTWNjLXlDZTJsLUZZOU9TODVaV1B2b2hac1F5dnE3ejN0WE9hdFVPLW5RZHBMZWZBWDhjbTdVWGVoaUxuQ1ZDUW9KTkdQZUhZTGZjdUFmSHhBS2VVMm5Fck45ckFzNzdjSW5mMVRiSDVaNVRBR21wamM5aHJEb2ZXV0d5V2RScjRB?oc=5) · Centralmaine.com
- 2021-10-10 [Richard Cyr Obituary (2015) - Augusta, ME - Central Maine - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQN1EwbXA2dmpNamNPU09NMGVScDBfUHdPZF9RMjR1cF9mckZ4UXNJU1hZdXZuLW9oeWpEd3h3T095Wks0ek85RU84NllrcG85TmFhTjdUMVFERWJMUEh2bEs4TGRJTy1wZDBPVUh4cTNQMDN3bFhDR0ZKM3ZwZkNETFB5OGh3WGpzMnZGVTJGRWRiNDg4RnZReXFKOVJpQVE?oc=5) · legacy.com
- 2018-11-11 [Edward Roy Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1VcnUyVlVjMXVPNF9VQ1hpNkpGRWFLUktzcjlRRDJWZlRZbzdIelpkVTI0czNQZzFMeWxTNXhrRjBhYlBwMmFITFdlMFlPRXhlYXdkYmFLYllSUFNXeExGbmFjVEFCTmxzV3pMQW4wOC1DcVF2WVBFZGJBZzFiaHc?oc=5) · Dignity Memorial
- 2025-11-26 [Poland special ed teacher Kirsten Johansen makes students feel understood - Centralmaine.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPTERVU0Ffc09QOFRjMzhRMDN3bWpGU3NZOTR0NXFVaUZDQmdRNW0yeUwzN19VaDREMFFnX1gwYUxULU42LXBLdFJ0OUNNUlhRUFJNaG5DVkQwWGdIakRnTmtjMklJOGVUcUR6aENMV3lBT3BlSV9RN2JhdGpNMFBXSDZQRVRxVjQyNEJqUnptODJrTVlRdTZGVTVCNEhVS1Btd0RmcHlNVC1Oc1I2aU9YYTExZHE?oc=5) · Centralmaine.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6936 (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/24.json (key "6936", 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=6936
- 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