# CUMBERLAND COUNTY
Falmouth, ME · NCUA charter 9500 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cumberland-county-9500

Who the members are: federal charter, community charter, organized 1954. 22,101 members of 999,208 potential (2.2% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $488.5M |
| Members | 22,101 (0.2% YoY) |
| Full-time staff | 62 |
| Net worth | $48.7M |
| Net worth ratio | 10.0% (p28 of band) |
| ROA (annualized) | 1.07% (p75 of band) |
| Total delinquency | 0.88% (p72 of band) |
| Net charge-offs (annualized) | 0.21% (p31 of band) |
| Loans / shares | 62% (p24 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p13 of band) |
| Operating expense / assets | 2.52% (p13 of band) |
| Vehicles % of loans | 32% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.94% (p75 of band) |
| Vehicle NCO | 0.34% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 30% |
| Average share balance | $8,390 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.9M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $19,138 |
| Loans granted, annualized | $75.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.9M outstanding purchased (28.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 4 | thin capital, margin squeeze | delinquency rising |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency 2x band |
| 2023-12 | 0 |  | thin capital |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency 2x band |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency 2x band |  |
| 2026-03 | 0 |  | delinquency 2x band |

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

- 2026-05-06 [Cumberland County FCU promotes CFO to top executive post - mainebiz.biz](https://news.google.com/rss/articles/CBMijwFBVV95cUxPMV9fU1dfZjhyaU5MS1hxd1h5bmpuUFRndEVvajRsZ2xmbTlqZndoSnV1dTZpaThDVUpzVXRNMjJ0UlRqeFowQnpwVFlfOC1LN2Z4UlZiRklaek9sSEppdGR6SFBTcVQzcS1VRF9BZ28ySXlycHdDVjhoeXN5aEZHRnEwSl9NVWVidEdSSGNQcw?oc=5) · mainebiz.biz
- 2026-01-28 [Hebert Construction completes credit union branches in Lewiston and Scarborough - mainebiz.biz](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQm9QamQ2Vi1lSmh5TnZHTVZuYzBHbHgwRmJ0SUFnYlBSelROb1pEbkxSbWhTb2VqMTdZYkJGRlRRc2hteW5HSHdOa3BFbVdCaGV1Z2hRMzdSS2JiQkdfS3dkTmJCd3dCaGVjdzhodmFRWC1yMjVPcXI2RmVTV3VkblY3c1EwSnBBdWwyamYwMzlJVXkzMVlpXzJBcnp1VC1ZNkNnMDRBbnlua01CX2c?oc=5) · mainebiz.biz
- 2022-04-06 [Cumberland County FCU raises over $3000 for ending hunger in Maine - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQN0daT0t6UE8xVlhHVDZmVjZ4YUNfeVYwcDlhTGpCeG9pODViLU14d1RBaUNmMUNfeG1NQ0xURDNBUzhybWRrLWJrMm9FcERhekRyT1o0MjMtbWdNX0ZyMjF3NlFwdnVmWUF1VjlwN1J0cm1Ldlo0R2p6M2M1dmk2MzNuU2ZDTlNsRUcyaExROGNibTFvbFRyQ3FES0RHSzJKelpCbHpRMm9EQQ?oc=5) · CUInsight
- 2020-08-19 [Members 1st Federal Credit Union announces redesigned look, new headquarters in Cumberland County - fox43.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPT3JseGYycGYzREo2WmpkSXZkMWxka2V6LTc4c2E1bzItNjlVR2c0SERubWpXZWN2bTNnUlVPRExseDd5dTVjRjNGSGJLOThwbnJjZGdOblRKdl9Lb2FJbU90LWJUb2xwY3laek9uX3A4Vk9PbjhRVS0zNEVnU3hvMFlxeGhTVEJMYUZON2RNVTJOLTBiQUZVYWtzVmhCVENBbnJIazJOd0RFZWpxc3RCNEJoUWcyR2VkYk9LcVoyWk52QQ?oc=5) · fox43.com
- 2025-06-21 [Members 1st Federal Credit Union to open new branch - Reading Eagle](https://news.google.com/rss/articles/CBMilwFBVV95cUxNYlBadjZSbEluZXdNT2JUaGdQWFFQOGszUWNRM01RbGdPYUY3X2pzbDZiemhWWjI3cjduUTlJbExrcUhJVTRLblltYTJrNU1nQkdBczR5enVmYVJZUFdMNGZ5RWhIM2lHaEw0ejgwVUxlMDgzQVZOaWh6bHhDTzhPVmVNSGRWM1pWY3h3emRaTk5NTElUaFVv?oc=5) · Reading Eagle
- 2025-10-30 [Dirigo Federal Credit Union taps Scarborough for its fifth branch - mainebiz.biz](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZmFZN25vc1BSaGtUWmJHeFptQzhyOExaQ3lIeFZ4eUUzdmFDcEl5MFMybkNidWM2dS1aeUZYdFdfUGxYSFlXbUFVSHVMMTNRaXJjWklOdUZNRlZFMUdTd0JPazRPNTBrUjJrWDJSX1ZDb01LRGdEd2NlSXMtYUJVaWd6aDlEYWdZa1BfMm13Q1ZQRWFEMGVVR080bw?oc=5) · mainebiz.biz
- 2023-07-13 [Atlantic FCU makes promotion for retail manager at its Freeport branch - mainebiz.biz](https://news.google.com/rss/articles/CBMiogFBVV95cUxNMnk0dWZhdXYtOWthX1VTcFNRN1dQcEJWZ1NSNVRDQi1lNXA0WlJHTThqXzFBdGFOWnlBZ0RGZkpKWTFTY2ZCb2tPZUZsUU9ydHZxN1liVTdwRFp3SzhieEFVMDZmWHNlQ3ZpRU5sanRNMGFKdkRkUVVqam9sWkV4RW1XUXNWdWtCR3pQUVo0TXZMYnl5ZmhBM2RjZ3dwejVQSGc?oc=5) · mainebiz.biz
- 2024-07-09 [Atlantic Federal Credit Union names manager for its Sanford branch - mainebiz.biz](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWnk2TkFpMWNqWENEekFONVltZTl1eXQ2UGxJaEF5ZWNlTjVYeTFsY1JVaUlEdzU3a1RTM3l4MTNzeWRyakpTWnVnU2E2UDdfZDhIZXRrZWQ0OWdhY2lMMDVQV1U3SERNOTByQURMNjYwMkUzUDhrcmNyNlN0cnRmamM4ZHowOVowQXNybU1SMkk4a3ZoVHVDcTFXVm8?oc=5) · mainebiz.biz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9500 (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/28.json (key "9500", 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=9500
- 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