# MONMOUTH
MONMOUTH, ME · NCUA charter 9035 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/monmouth-9035

Who the members are: federal charter, community charter, organized 1953. 2,239 members of 21,799 potential (10.3% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.5M |
| Members | 2,239 (-3.1% YoY) |
| Full-time staff | 5 |
| Net worth | $1.7M |
| Net worth ratio | 6.5% (p4 of band) |
| ROA (annualized) | 0.18% (p50 of band) |
| Total delinquency | 0.19% (p39 of band) |
| Net charge-offs (annualized) | -0.02% (p24 of band) |
| Loans / shares | 40% (p39 of band) |
| Cash / assets | 61.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.16% (p45 of band) |
| Operating expense / assets | 3.15% (p59 of band) |
| Vehicles % of loans | 42% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p20 of band) |
| Vehicle NCO | 0.00% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 10% |
| Average share balance | $5,450 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $13,237 |
| Loans granted, annualized | $3.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 3 | losing money | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | assets shrinking | losing money |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | net worth falling, losing money | delinquency 2x band |
| 2018-09 | 2 | delinquency 2x band | assets shrinking, net worth falling, losing money |
| 2018-12 | 4 | assets shrinking, members leaving |  |
| 2019-03 | 3 |  | delinquency 2x band |
| 2019-06 | 5 | net worth falling, delinquency 2x band, delinquency rising | assets shrinking |
| 2019-09 | 4 |  | net worth falling |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 5 | net worth falling, delinquency rising |  |
| 2020-06 | 4 | margin squeeze | members leaving, delinquency rising |
| 2020-09 | 2 |  | net worth falling, margin squeeze |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 6 | capital below 7%, net worth falling |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 5 | members leaving | delinquency 2x band |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 | net worth falling | margin squeeze |

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

- 2025-11-04 [Monmouth boys soccer races past Richmond in D South final - Sun Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbXpFMjZKR2h4NXBZM2lySFUtZVE3TXVnRU1VQ1pwZ1R6NHpIQVl3VnVKMEtrelN5TmdabGs2blhLbEpfSGt3bTNuSXc5RUFNUmJOOE45SlZ2NWNNdTVpSldKNWVPWjVmMTFJeThHSldEc0gxUTBvT3IzbE9MZGxubHNOOVRfZHBSZDdEbTlOdE0zbmNPM1Q5d3dsWGE?oc=5) · Sun Journal
- 2025-10-22 [Robert Ballantyne "Bob" Jackson Obituary (2025) - Brunswick, ME - Funeral Alternatives of Maine - Brunswick - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUlNORDZudVBTWHprM05PUFBFSktwTVozQmY5eEZPQ2NCbGdXTE45R2V2TDJaMm1yTzdKWjROX2NxZGpHUWV6NGZnUDJCeWhlbllDamVKUXlySFV5eEVFVGNpSEtMajQ1MzNQb1RKZEFHOEswQklUcjRBN3ViNkJodmM4cw?oc=5) · legacy.com
- 2023-06-22 [Every baby is a blue-ribbon baby at the Monmouth Fair Baby Show - newscentermaine.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOY3JHZXNNTF9QUlJLMW8xUWE4Q2N4WG9LXzRlRHhIN0dJYWIwMDBFbzFKSEFyYTVOTDR6Nld4c1lTV1otdUVUS0pFbHN0WmtOMVA4SmlteE9NXzI2Y3k2MjZtQlp2RXkxWlEwVGhSTjFaZGFFdzhPc3YxaHlXMks4bzZTTTJaSUhRcl80ZVg0bm9DX0Q0MUliZ01tWWtNZlFFLXUxRk9CQUwzOVV4aXBramRxS1pLQzNzV1RfcFU4RnJTN09OQlpaemhyeUFaZWFUTzdYa0IxRXY1YzZ2QmRmWmoydmt1Ti1YVC1v?oc=5) · newscentermaine.com
- 2026-08-26 [Great Falls FCU Highlights Accessible Savings Options - wboc.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNd1lCTXY3Ny1kSlhzczExbGU3SlkxRW5SR2JmWDQ1QVlFLVphU2tlSXN3ZkUwbEc2dVQ5YWFJWTYxTmZLVnlYNVFweDZSQ0F0bkpiUjFuOHNoV3JZN1gwTHFoUjJSTnp3TW85Z1F5dUJsUDJPeS1ZNnlKS3N0bjdWSUtQSkNlcTZGTUg2QnY4QVZPY3JZWmZZOE5nYTNKcWVENUpacTlrc0dSMGh4VXRfSDFfaEhKM3hYYno3NGoySGY2ank2YWpmWkhreWNwODdoczUzSnVpR0lUTHN4MFFvNHREbGlBNGdicEtB?oc=5) · wboc.com
- 2021-02-15 [Girls basketball: No size, no problem for Winthrop in win over Monmouth - Centralmaine.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOS3VvZkFES0E1N0NvWkxZdFVoYzFfTEE0VUhqa2Z0MGt5OHJVSU1qcUZYd0lRd1J2d2UxSUloeHRhSHZVdzUxWFpBVzZLOW40RDBCc0JfbmRidmFPUmdlTV9zTkd4RUhpbjNkekdOX2NGNW4zNWdsUlFoOExvTGUwa2pFalNCc1FIRzRPdUF2cjlCNmVfZGdscXJZaXd5cGg4NE51c2d4RjRtS1hEQmN3?oc=5) · Centralmaine.com
- 2024-01-23 [Boys basketball: Mt. Abram rallies to beat Monmouth, remain unbeaten - Sun Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaldDdDZ2VEtNbHpYX0FwaWJfOWJ1QTJSbE9SV2U3VWxZc0JXSkVkZzFHOERhalR2YTExQm1xNnpHN2hVRWpybFNHT2JReE05QTh2MkxSU0ZmODZHWmxCQTNpSV83LThCS1JETnhpa1V1dklLN3BRT1FZMU1CeVZOODh6cTVGbGd5VzJjM2RROXRlSUozUXhJalVnaXpKelFmcl9Yem93dw?oc=5) · Sun Journal
- 2021-10-25 [Boys soccer: Monmouth edges Hall-Dale to earn elusive postseason victory - Centralmaine.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQdG1ybVpPcW9CSjFzeGdNRWN0VzRsZFJhcmJrWHo4VldyRWJWZFUxNFVYTXZaRVZGN2FJZHZPYjh0SkhQdkFnRjl0TEp4amVLTUNDMXNvczVuNWt6SVVHcjc5a01scjFlOGlFV1pJT1U5NkxyVGx6Wk9vcUZiMVNMR3ZOZi1CbkF4YkMyWUZrVkdMNHFhNTRaZXJKWVNzUG5DRG9LLWdXbVZtUHZXS1JDY3VR?oc=5) · Centralmaine.com
- 2024-12-31 [Boys basketball: Spruce Mountain holds off Monmouth to keep undefeated streak alive - Sun Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxNQmZqS3Nlb2VxTnRjMkotMDFpY3hGRmNBSVgta05QTFpwVmY5MDVZcDZON3pDcnJ1NTY0ajBBRzktdWhRVk5paVg0VzNLc3ZnYUJNT0tXbV9QUVVRYzJ0UHgtSUtLSmhTNlUtbGNpbUF4dTYxOHFSTFllTXJmZHZaa0JwUDNxT0ZrblRUTW9nRTQ3Nk03SE1nT05DaEFCZUQ5aW9SZjNiUWY2a3JaS1hsaGZESERwTHZxbmVSeXln?oc=5) · Sun Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9035 (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/11.json (key "9035", 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=9035
- 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