# CAPITAL AREA
Augusta, ME · NCUA charter 9919 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/capital-area-9919

Who the members are: federal charter, community charter, organized 1954. 3,957 members of 45,000 potential (8.8% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $71.7M |
| Members | 3,957 (-1.7% YoY) |
| Full-time staff | 14 |
| Net worth | $12.4M |
| Net worth ratio | 17.3% (p82 of band) |
| ROA (annualized) | 1.31% (p80 of band) |
| Total delinquency | 0.10% (p12 of band) |
| Net charge-offs (annualized) | -0.63% (p1 of band) |
| Loans / shares | 85% (p90 of band) |
| Cash / assets | 26.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.23% (p80 of band) |
| Operating expense / assets | 3.59% (p52 of band) |
| Vehicles % of loans | 38% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 46% (p75 of band) |
| Vehicle delinquency | 0.09% (p16 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.13% (p87 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 15% |
| Average share balance | $6,980 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $18,894 |
| Loans granted, annualized | $8.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | margin squeeze, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2017-06 | 2 |  | delinquency 2x band |
| 2017-09 | 1 | loans>95% of shares | margin squeeze, delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 2 |  | delinquency 2x band |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency 2x band |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 1 |  | loans>95% of shares, delinquency 2x band |
| 2020-06 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 | delinquency 2x band | net worth falling |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 2 | delinquency 2x band, delinquency rising | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | net worth falling |  |
| 2023-09 | 1 | loans>95% of shares | net worth falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | loans>95% of shares |
| 2026-03 | 1 | net worth falling |  |

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

- 2025-12-17 [Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOFZxMXZybnh2V01ISTNpaFFJU0R4M1o4RllmMHlkRTZmLTJNanlRTWZBa210Rk5Ld25sMzNOWGcyUHViTEFTSVhoeUx0SnpMSENMNld4TkExVUlndW1mai1VbzcxNzhnblZjZFJXTlJyQzBacldMNElia2R1ZlpDZ2lvYVZfdlFIWW1z?oc=5) · Newsweek Rankings
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- 2026-01-21 [Best Certificates of Deposit Rates in Maine for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9HRWN2YnhJYUJXeUpRUEEzNXVpNy1jdDhONTNMa1prUEtJVkRxVFhuN29qc1lvb09aSGxGUXdDdFJ0NkEzZnhBZlBPcm1Ha3lwREhKaEVUbDhMa2tiWTJHYUI4NA?oc=5) · moneyrates.com
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- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-11-11 [Help and assistance programs for furloughed federal workers in the DC region - WTOP News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQLW9oRk9BOFVnaV9HMlVpN0VFUkY3dW1sTXJKSTBiT0t5RHBXR1VpcnZHSWhYUFlFS0RmVDlvNFdWUW1vUHdGcy1CZk9EU0VMNWxla3hzRkFoUXh5SDRKUVhzM3kyWnZBc3AtNEU4bXVKNTZNN2d5bk1yUmdGTVB4NkJ4M2NhbDVCODJwZTZOaE02STliZk5hRE5jQkF3TDdXVklqN3BfWEFRcDEy?oc=5) · WTOP News
- 2025-10-17 [After First Missed Paycheck, Federal Workers Call for Solidarity - prospect.org](https://news.google.com/rss/articles/CBMimAFBVV95cUxOVVNYRlZ5N1J6aThnUkpta1RpZ25leUZYTjRtWVUzRDktbVVsQk8zYXdOczNFNFNzUzZxU0ozU21mb1Ztb3V0WDJEMzF1ZTNrdFd6MjdiUWcyMExOSU1VQWZRXy1pRWxxTG44cEhoVmM0ZXNhdjYybEdJRFhqT0F4THU3NUJWRVMwNWd6Y0JxVDhZRkR2Q0FMLQ?oc=5) · prospect.org
- 2025-10-31 [5 things you can do if you lose SNAP benefits in November - axios.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdzZXck9GOUVNdFFxNUVMSU80aTMzaHVqOXp5aE5ZVjFYN3BqcDdsbmNyNUxLSHJjSnQ5ZlBxUDJPSi13Ul9JNEUza1hzMjdhUFotWkZZNThRM0NPSUZleEg1WnNjVzhWSjlqNlk1THptQVdSeWNhQzRqM0dkb1VJVw?oc=5) · axios.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9919 (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/63.json (key "9919", 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=9919
- 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