# SEBASTICOOK VALLEY
PITTSFIELD, ME · NCUA charter 8936 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sebasticook-valley-8936

Who the members are: federal charter, community charter, organized 1953, low-income designated. 12,022 members of 441,633 potential (2.7% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 90.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $182.6M |
| Members | 12,022 (-2.7% YoY) |
| Full-time staff | 26 |
| Net worth | $27.8M |
| Net worth ratio | 15.2% (p83 of band) |
| ROA (annualized) | 1.97% (p95 of band) |
| Total delinquency | 0.64% (p51 of band) |
| Net charge-offs (annualized) | 0.09% (p22 of band) |
| Loans / shares | 110% (p100 of band) |
| Cash / assets | 2.3% |
| Borrowings / assets | 6.02% |
| Net interest margin | 4.24% (p81 of band) |
| Operating expense / assets | 3.14% (p30 of band) |
| Vehicles % of loans | 28% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 93% (p68 of band) |
| Vehicle delinquency | 1.16% (p77 of band) |
| Vehicle NCO | 0.41% (p44 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 19% |
| Average share balance | $5,442 |
| Participations bought / yr | $1.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $12.7M |
| Loans outstanding per 100 members | 90% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $14,772 |
| Loans granted, annualized | $36.9M |

## Participation posture (from the same filings)

Bought $1.1M and sold $0 in the latest annualized quarter; $12.7M outstanding purchased (45.8% of net worth), $7,733 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.5% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 2 |  | delinquency 2x band |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | 3rd-party paper>100% NW |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 2 |  | leaning on borrowings, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | loans>95% of shares |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | loans>95% of shares |  |
| 2022-03 | 1 |  | loans>95% of shares |
| 2022-06 | 2 | loans>95% of shares |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | leaning on borrowings |  |
| 2023-03 | 2 |  | leaning on borrowings |
| 2023-06 | 4 | members leaving, leaning on borrowings |  |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | members leaving |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 4 | delinquency rising |  |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 4 | delinquency rising |  |
| 2025-06 | 3 |  | delinquency rising |
| 2025-09 | 2 |  | 3rd-party paper>100% NW |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-05-29 [Sebasticook Valley Federal Credit Union donates $8,000 to new health center - Bangor Daily News](https://news.google.com/rss/articles/CBMixgFBVV95cUxPWkJXSERjUXpKSUV2aUI4UDBDczN0NWt1d0tfalNNaWFqYW13QUtZX1hoUTFnUm5RYXF2M0hxeFNYajN1MDBPU2RvRk9FeHcxMVEtUHVOSmhaTmxfM0NMRGFmQVIyekpOaV9uZWhiMm5jQWZNWVZwYXludGxiRi1sY293V3pOY29NUUFORVllUTJ3cXl1bEpEZjlKRW9tQU1hd3g4RFRPeE1KNWZINEpiNlpwN05Ja1piLXd6Wk9KUWdTY2VUWWc?oc=5) · Bangor Daily News
- 2026-04-06 [Sebasticook Valley FCU supports upcoming Financial Fitness Fairs during Financial Literacy Month and beyond - Bangor Daily News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPWER3WXpRVVhxcDlwOW1mNDROWEgyRkRZdkZUelB6d3RWV1Y1dkJ2RTJoSW8wc0Y5dFVWU1Q3cl9ZNDZkb3A4YnZPb0d4VzBXMDE5djhOQVYwWUlKUjc0WFZfNVR2X0owSUlOanNtM1B3QTE5aVlPdzFQaGV5ekFTcVdkTnJXUHczMGt5amFlS09uYjRDOUV3TWl4U01IVTVaZTRUR1BHanY1TUZoVXp2VjczdWdLdm1XV1N0a0pnenh2WU1YeFhFVGc4ZFNELUp1NTJMbmE4Y3BqMGJEREoxVXp2VXdfSTUtYWpiY24tMVBvTEU?oc=5) · Bangor Daily News
- 2025-05-27 [Sebasticook Valley FCU to host paintball tournament to support Maine Credit Unions’ Campaign for Ending Hunger - Piscataquis Observer](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOT0pBaEFIdjZQRHUyTWljR0VlR2tGYkExSUdaZ3R5NFhFOUxUU3lVTC10c2hWRVd1aWFQSy12VjdhU0ZWVDVxNTNkOW9wcjA4RjVqdFpFdENySlZyemVtSzhsZ0Z4LS00MUU2aG8zaDJ2Q01tZHVPMjVTX3lyUXg0RWs5NTVTd2JaY29QZXhkR3laOXV5a0x1NWZ6amlwbElhOWpFODRKSFRCWGVrbUdLZ3BUZUxQWG1JQWpPVUFYUU5TOE1LWVcxeTZvNVFhcU9LejhmeG9PTTFzTThHb010Z2JvcjA?oc=5) · Piscataquis Observer
- 2025-09-24 [Pink pumpkins being sold in Palmyra to support cancer research - WABI](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVXBUbkg2OTMtY0dnNGZMSXVzTFZPQW9pbWdmaXRqdDVmVldlbzRtVmNQcEhfdXhqb1U5WXdCTzh1VFEzZlR1Yy04OGxpQ1RLVXBERU1ZTGl2QURZdloxUkROb2RkbDJfcDBwRzZqbkljQ1czNHRLa1BJcXFJUjdXdFAwLXdPbXBEVGFkVTZtbWgwQdIBpgFBVV95cUxPWnUtMTVMNmZVOGt1VS1panBNb2cya2dYSUNrVlg3cjFBOFMtcWZJc1pYN1BqZUs3S1pPczNPeVhYdlhySWloQ1ROVWM3UERENThBT1BCbV8xeVBGSVVfVXFsTkEyYmZmdDZOSDVhVmN2WmpFNlhiZ1VGZXJLdWpDa21heWxYdENEMFdwNFUtSnBsQWVtcTJtSERxV3BDQmlwMnZlcnd3?oc=5) · WABI
- 2025-09-10 [Sebasticook Valley Federal Credit Union honors employees for 85 years of service at recognition dinner - Bangor Daily News](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQU2VuVUFhY2lIQ1RSOVBZOVJBOTR6SVNOTFZsNDRTZkNlX0VsT0RqdXR1SDg2dWpNeE5zQ0R4TVY5LUdRdlJIR3NFTUVjREhENkhJbmNlRjRIMXRpbnR0bHlWV0hBMXNYbUs5U3pYT29Oc2tad3pmS0V6WE1uRG9jcVhkVlNXSHFnemd0RlZnOFB4V3VuckVXZDJvNU9SWjRLZ3NQWjE3QmdFam9VYkU0MnlWWUtlR3lvSVljVGZFUFVPUFM1ZHV3ZXp2cGk5LVNIUnRhbi1FVi0tMEdzOHZib2J4b014U2lJNUJqVg?oc=5) · Bangor Daily News
- 2024-10-28 [Robert Engelhardt Sr. Obituary (2024) - Fairfield, ME - Lawry Brothers Funeral Home - Fairfield - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNc0NkNjBDTmVsSWxIT3Nfb2pQb0xZU2FsNHRneXF6dFY1MVBIYWlGNmozbGRUMm52bExxcUY3YVVkMjAwMUNQbUFlbzJnbnl2bzdvUkxZM0swUURET3lUODI5T3BmNEd4UkRmcFJ6WW1yejUzUGtYbEZ4UUxuaXBoTGFBVDFUSzA?oc=5) · legacy.com
- 2017-12-07 [Valley Of Trees Festival Being Held In Newport - WABI](https://news.google.com/rss/articles/CBMimwFBVV95cUxPTUxaMk9ZVzZBTWlkcFE5SzU2VE1INXlDWWU1bk42U3pOSUxRS2oxamlpWWFUaWNkTHFmTEQyVGJXNGdvaWR3cDF1WmhwazFuLXBBN1c3dllTZjRmMlAzNXRTSWY1Nl8wSFpBclhyZ3F0ckZ2Mk92cDFNaHp1dWJQNFBEekEzTXJiTG45cG1NWmZTNDdBcW84MGpRSQ?oc=5) · WABI
- 2024-07-02 [Joshua Guy Faulkner Obituary (2024) - Pittsfield, ME - Shorey-Nichols Funeral Home & Crematory Services, Pittsfield - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTzU2eG9MWi1INzc2TGdFeGFoRzhnY2UyVHdYcEpIaWZwa3Z5ZGIzYk90VGRBQzdyR1l6eXozNlVrNDFvLUFaTFBTTzR3MUYybk5WRUVvZ2tMTjhHOWNWTmY5YkVIdzNzb3NuQ3QwSnlEMWNPVlBLRWVrWHhmMUtDUThSUlQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8936 (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/40.json (key "8936", 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=8936
- 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