# OTIS
Jay, ME · NCUA charter 9349 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/otis-9349

Who the members are: federal charter, community charter, organized 1954, low-income designated. 12,477 members of 985,895 potential (1.3% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 83.

**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 | $296.3M |
| Members | 12,477 (5.0% YoY) |
| Full-time staff | 33 |
| Net worth | $47.4M |
| Net worth ratio | 16.0% (p92 of band) |
| ROA (annualized) | 1.24% (p82 of band) |
| Total delinquency | 1.25% (p88 of band) |
| Net charge-offs (annualized) | 0.33% (p45 of band) |
| Loans / shares | 54% (p11 of band) |
| Cash / assets | 48.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p13 of band) |
| Operating expense / assets | 2.29% (p8 of band) |
| Vehicles % of loans | 51% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 48% |
| Third-party paper % of net worth | 73% (p48 of band) |
| Vehicle delinquency | 1.82% (p92 of band) |
| Vehicle NCO | 0.41% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 23% |
| Average share balance | $7,785 |
| Participations bought / yr | $283,604 |
| Participations sold / yr | $0 |
| Participations outstanding | $70,901 |
| Loans outstanding per 100 members | 83% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $13,009 |
| Loans granted, annualized | $51.1M |

## Participation posture (from the same filings)

Bought $283,604 and sold $0 in the latest annualized quarter; $70,901 outstanding purchased (0.1% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 7.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency 2x band |  |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | net worth falling | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | delinquency 2x band |  |

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

- 2026-02-17 [Local credit union returns nearly $800,000 to members through "OTIS Advantage" Program - WGME](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPc2lKQmI1a1NvQ0FueUxnV0ZQbE9VWkd1RVdYR2NUTU5YaTF4UFlJT3NDOXJLQUNuQ1ZaVDJHcHZKU0l2N0RQT2hybUlfeFJJbFVwek8yOThjb1pGekh0VWpiZW9lTzhFX3BpQmRQMThqNWUxRUdoRzAwYzlRM2R4QzdlWl9ZdnVLRFdaUDJBZ2N0NDR0ajNUTkwyTThYOVpodDZtRUg3YjJzeHBxTVRCWUlTRWxONTgtZUZB?oc=5) · WGME
- 2023-08-30 [OTIS Federal Credit Union donates back-to-school supplies to two RSU 73 schools - Daily Bulldog](https://news.google.com/rss/articles/CBMitwFBVV95cUxOQUVkSTFPTzM0T2MyczhaT1B6WmNpQ1dsLS1NMV9NSnQwR0hYckhGRVhZT1RsbnJ2bEVuRTRON0xDS19fa2twd2ZyaHpLYnItb3JXMVRJalR4RF9QZWdtUGpRaktUUlZhQV9GZjM4dU14MzlfTGtCd0RhdUNOR05mNnJsLWxtMWJlTjFqTnhYQlY0RkFWM3ZIeHc3U0NhX3RGdUdvUVpqT0xtRlJXeUNqSEt3THZYelU?oc=5) · Daily Bulldog
- 2023-10-11 [A conversation with Otis Williams of the Temptations - OnMilwaukee](https://news.google.com/rss/articles/CBMifEFVX3lxTE1BakNLcF9NSDNJNVpPazNleWxFVUdORng4WUdIRURMdmUyQjI4ZjBlbFd1c09COXB6bjJodmloUUpjNWdZR0FnRFJyWmxBOWtwTnV6Tk80Mnp4Z1JvX05KaDN2SzB3dkF2WjhtM210YVVPYVNPU1BoOEdpOUc?oc=5) · OnMilwaukee
- 2024-03-01 [Obituary: Sally Ann Beaulieu Deane - Sun Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE1Cdm5lZ1lQWVd1Q3BqalJ4VWlBTmNKaldLXzljUnJidmpDZUVIb2ZvV280UzVQcTdoc0NITjJrUEVXaXJrQTNEOWFFTGNYYWtEV1JVaWdfNjRja0lkR2JoSWVrSXlrRURTb3dWSlRHSklBVVExOGFiWnNtM3lMdw?oc=5) · Sun Journal
- 2016-07-21 [James Otis Hobdy - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWVgyYlM3dkJQaHZyTXdVZUJxNVR0UFNHSldzcW02YnAxdkVJVncyazhsOVlwZ19jUFRvNlpfQm9QbzRJc05Kb0pUTW0tNzdfVGxMRmVPOEN6MXBXY3d1b0ZEQk5Sb0lRam9oWnZqRGtuaDlLWUViaW1fbnlRTzlsdnJzSWtfdGFfa0RRVzF3?oc=5) · Colorado Springs Gazette
- 2019-10-26 [People & Places: Kevin Rousseau named deputy director of Veterans’ Services - Centralmaine.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBZRVdmZlN4T1hITHVibXMzVEpDd3h1WDcza1pVSEVOTldtN0JzYVlwY1ctSFJ4ZGlpeHJaVzJGZ1plWlJiTld2SEJyakYtNDRM?oc=5) · Centralmaine.com
- 2024-12-01 [Sue Bryant Obituary - Seagoville, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNT1dLem9LMXpWMjVoOVFPYndJNDRLOXR2Vkl0Z3diWEcxb29mRkxwRGtlWmp0WTl4VlVNTUI1M2NVX1RCZVFyaDQ5WlJHbzdSN05kSXNOanN1OHhVanlyTS1FUmtWR091VFN4di05bmJrU2RNQVRiNmRSUmpKbEZSX21B?oc=5) · Dignity Memorial
- 2021-10-04 [Carol Otis Obituary (2019) - Teaneck, NJ - The Record/Herald News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQNXdtaG5Gd2tmM3NhOWR3U0JDYnVIMzM1dHU0VEZxbXJOOVdJOGgwMVd4R0M5eGVPTi1ac1MtbG5xaFhRRFJSOFNPMmVDSU0wejJlNHBLenhhclBYcndMRG5KSVBDQ0VQZGNwZldxUXpYRVBzOTRrYWNSZ3J4TUU3ODhDZWJOaXlHNGVJcA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9349 (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/5.json (key "9349", 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=9349
- 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