# YORK COUNTY
Sanford, ME · NCUA charter 9508 · asset band $200-500M · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/york-county-9508

Who the members are: federal charter, community charter, organized 1954. 25,478 members of 204,191 potential (12.5% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $337.6M |
| Members | 25,478 (5.7% YoY) |
| Full-time staff | 96 |
| Net worth | $32.3M |
| Net worth ratio | 9.6% (p32 of band) |
| ROA (annualized) | 0.61% (p44 of band) |
| Total delinquency | 0.31% (p28 of band) |
| Net charge-offs (annualized) | 0.44% (p56 of band) |
| Loans / shares | 101% (p96 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 7.28% |
| Net interest margin | 3.95% (p90 of band) |
| Operating expense / assets | 4.39% (p81 of band) |
| Vehicles % of loans | 28% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p11 of band) |
| Vehicle delinquency | 0.56% (p64 of band) |
| Vehicle NCO | 0.85% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p21 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 26% |
| Average share balance | $4,603 |
| Participations bought / yr | $2.1M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $14,420 |
| Loans granted, annualized | $71.2M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | net worth falling |  |

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

- 2026-05-29 [Brunswick man charged in York County robbery - WMTW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNR1FOOFBxd3JmWU5mZlpEWlVYTnVZcU1FeG1CbkxFdFVHVU95MmYzcXRHbjlTSlBEX1A5dURvMTByREhwX1JCTGo1WjhZWGswczJGUnAzeW9VWHVSQWRWV0FhOU1hWjBZd2wxNmM3QlFjdkpqVXA1Z0s2UGpXXy1GZnA3ckFlV0Ez?oc=5) · WMTW
- 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
- 2025-11-14 [York police: Woman charged after trying to withdraw large sum from bank with stolen ID - Seacoastonline.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOMklrWWMwbndxNlhYcWJTOHZ2U3dNUi1JVnI2cm5OZzFROS1HbmlVYXY4bWtpRFc4WVV0U2cwRGI5bnNIT3hkal92alBrTXFHY3Q4bUFqaWI4MDV6eDNwNC1uZ3R0alE4dm03emc3ZmNRU1RpZ1dvQ1NsNXpPa2pNQXpjYldHazFaamtKYzVfenJhbnYtYXpVZVZialBUV0trUlIyUXNpZnlveUI0WHdmVWNWM0xhdGI3dThjZmtVWG91dnFqekVBNDJKRHpKcGQ3MHVkQ25Lc1ZJcjh6?oc=5) · Seacoastonline.com
- 2026-07-21 [York County deputies search for suspect in attempted ATM robbery at Arundel church - WMTW](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcVNQV3gtS0E3S1J0ZjVhNG1mNmtJZTdqdEZDUFhKTXRCUmNQZm1qdVBkckN4UVNHNFpGYmVFcGdqMTVJNF9IN29Xcjlxa1Y3QVhPQURoMXdzNVlJV21LUFJ2VDA1aWxfMHJJblR2N1hGWFBTMDktaDJHVUhEYUp0dzQ3UURMcUxnWklwYVJOSDQyYktTWEJn?oc=5) · WMTW
- 2025-07-22 [Maine’s largest credit union adds two branch leaders - mainebiz.biz](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOYTYzTk5KMjl0Wl9mSGtqbGFOUzFyV1JCWnB4SklVSDNkUG9ReGdrRlBPVHQxbmNIanNTUGFkdFd6SnA3c0FFU3B2dzJUQ3huYVdiSnFVRGdBaEEyNU5BNEhlOVBVMVc2Vk1id3N5RXZRYUFqbUxOcmxDV3pBSmZjWmlpdWlSY1V1?oc=5) · mainebiz.biz
- 2026-07-16 [Can you still get a 5% CD? - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxOVXNRb213T2ZoLUlIZGhwTkhFV3Z2LTg1bE1jeG1UOXVvRDlyYTJWY09hcDQ5SXNYOVVwSDFvSEtvR0hUaE5vakdLR3dJbE42eTNOa3RxZHNWZUFBdWRoel9nSWNqTGtzUEhwaEdlQXRIMWlaSHJxdGVhRE5mUzZ3OXNBdXdhbFg1MjBzckx2MDlwdDJDN1Iw?oc=5) · Yahoo Finance
- 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
- 2024-09-18 [Saco-based credit union gets green light to expand - mainebiz.biz](https://news.google.com/rss/articles/CBMihwFBVV95cUxQNXdiOGp1dVFjZ2VkNVE3THpETjl5VjF6Z1VfSE5uV1RfYjIybE1ZeVN5eWdZc3FVbHVLckNTcTBuNWhEWTczN21tUFNIVG5aME52ZzM2NDUzUkxkelJxSXd3RTVwaDNIWXp0T3JlakRoSGJqdEV6Z3ZYdE1va1phcEk3NEoxSlE?oc=5) · mainebiz.biz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9508 (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/36.json (key "9508", 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=9508
- 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