# GARDINER
Gardiner, ME · NCUA charter 8367 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gardiner-8367

Who the members are: federal charter, community charter, organized 1953. 5,489 members of 50,000 potential (11.0% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 137.

**Verdict on the desk:** this could be *fortress*. 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 | $98.6M |
| Members | 5,489 (2.3% YoY) |
| Full-time staff | 12 |
| Net worth | $15.6M |
| Net worth ratio | 15.8% (p75 of band) |
| ROA (annualized) | 1.76% (p92 of band) |
| Total delinquency | 0.16% (p17 of band) |
| Net charge-offs (annualized) | 0.17% (p42 of band) |
| Loans / shares | 68% (p64 of band) |
| Cash / assets | 38.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.73% (p53 of band) |
| Operating expense / assets | 2.63% (p20 of band) |
| Vehicles % of loans | 54% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 95% (p85 of band) |
| Vehicle delinquency | 0.06% (p13 of band) |
| Vehicle NCO | 0.29% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 21% |
| Average share balance | $6,638 |
| Participations bought / yr | $864,376 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.5M |
| Loans outstanding per 100 members | 137% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $7,469 |
| Loans granted, annualized | $13.6M |

## Participation posture (from the same filings)

Bought $864,376 and sold $0 in the latest annualized quarter; $8.5M outstanding purchased (54.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 11.1% 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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | delinquency rising | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | net worth falling | margin squeeze, delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-06-23 [Gardiner boys basketball celebrates its first title with ring ceremony - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMirwFBVV95cUxOQXFvWmtZejh3OFFhVzcxVzZvSy1scnJZdEU2SDNrdkl4a2o5ZFdKMXloUlZDMVFjTXZ1Vmw3UWZQTEN6Z0YtTlBRa1ItN2M1d3B0NnBDbXctNEZHNU9KUHBjMkFoMlE4dGdxZDhJMzlkQXF5SG1YTzE4aHlNb3cySFlQRm1YRWI2SkRqakFBZkpRZ1A1LTJPcmxVRy1HTVFFMGdCNjBsemdoS0FaLXpz?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2026-02-13 [Friday’s basketball in Bangor: Gardiner boys cruise past Erskine - Centralmaine.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQckZBUGJ0UEhhcXJVNnU1MndtRDJ1ZXlMSzFaM2RDNkJkMWZjQ2g0NjU4b2ZNWVpjNVBSTFZYV0RxcjBueFpwN29WX0d4blFrX3ZBRk5CMXYtOUJMXzZDMGJoaFZtYlJWTXQ1X3FkNlBGbERvOGNLYVJvalBmb1NUdXNtSmlCUllNeE43c0Jkem0yRzVrNnVkaHBDN0dHdG10OWtoSGNR?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
- 2026-01-20 [Oceanside girls basketball deals Gardiner its first loss - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMinAFBVV95cUxOczBaN2hleTlWT3J3c2RUYVhDNURxQlFEZXc2dldkV3E4aHVYcmdhX3p4cThpYzhMWE9XMG1UMU5uMXc5ajRCaE1pN3k3b01HbjlOYVhrUUc3ZjlQa3lURl96bHRScVpoOVo2MUtsNGtrdGo3NnBGX2c1c0FpYzJZWmtkVUtsX1hjZThBMFBTb0x4RTlnQjBCdlVKZ3c?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2025-10-24 [Cony football routs rival Gardiner to complete unbeaten regular season - Centralmaine.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOaTdWOGpmWVFlYlpmakxBTzVPUkFMTGRPSVFxeVh6WXJSNVl4WDlTUEMtbHRPbVlPLUpiblpZTy1EX2o0ZE85dEtmTXM1blRvM0htcllzNHR5VzA2OFN0MEx3bjZzTng2WlhKQmxtNjVVOWF0TU9LaHQxWVl4b1RPZnljYU5aN3gybjRSczA2MzZBOENSeTN3ZXFPblFrV1FuRVJoZUZ6LUhOWHZaOTI1WA?oc=5) · Centralmaine.com
- 2026-02-18 [Gardiner boys basketball downs Hermon to advance to Class B North final - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMisAFBVV95cUxQaFdMblpDZXFTLURGX2xmMENxWExPU1c1OEhNOTJWV0c3SHd6VGtfMGpHUk9FajJKVzRpLW0xMmdJdkZnS05SRnhnT3JFLUtTMHR1c2pHOFdSSjhlaXh5WVZveFl0bTdURUdMelRMUXl2d0stQW1qUDhIa3hPM3M3T3R1LUpEcDc5ZXlQRkdjeVRTQy1XT0FqLUFhU2F4OWs3MnIxQWFyTXRKQy1RMEV1SQ?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2026-02-18 [The Cony-Gardiner rivalry is one of Maine’s best. The two will next meet with a title at stake. - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMizAFBVV95cUxNUml1VjJSNzIya0JCVlJ2OTZCSko3NXJMWHM3VTh3eDZDNllTdlZBNmx0QzVaeVFUR0tBX1dGRTdZTXdUbGg4X3NHVWJCMlRZVkZDaldpLWpjbDc3ODI0cWxQU2RyT20wYkVncjNGcjJJNGdaQkVkaUtnczJBN1p3cGlXQU5mRWdUZmxBSTVBQjlBOXJWT1dJRWFhcExVeTRSS3FxdW0xNmdxS3VNNHdSMzBYVTBmY1JDaUZZaGd5OFB3TklqQ3R2YjR5LTI?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2025-09-19 [Gardiner football surges late, defeats Wells in overtime - Centralmaine.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZi1rYklLWWdnRmRPRkV6TmRGWmx5NUJISXhldTBwbVkxLVFjVkpGNDVmYkNsdXBrcnNtZWZVeXdVM1ZVMk8tRzllNnBKYVVrYU9Ec2JrSGF5VHNUYkVHNnZhVFdGd0JwQ05meG00Nlk2MjdLX3FGSmtNRjREczVVVnZnRFN1LXVoTVhyS1k1RVpvVzBBdjJtTmd2clA?oc=5) · Centralmaine.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8367 (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/47.json (key "8367", 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=8367
- 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