# ALL SAINTS CATHOLIC
Fort Worth, TX · NCUA charter 10843 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/all-saints-catholic-10843

Who the members are: federal charter, associational, organized 1956, low-income designated. 105 members of 2,000 potential (5.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $349,791 |
| Members | 105 (-20.4% YoY) |
| Full-time staff | 0 |
| Net worth | $111,592 |
| Net worth ratio | 31.9% (p97 of band) |
| ROA (annualized) | 4.26% (p100 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 2.28% (p97 of band) |
| Loans / shares | 121% (p100 of band) |
| Cash / assets | 20.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.43% (p99 of band) |
| Operating expense / assets | 0.47% (p0 of band) |
| Vehicles % of loans | 70% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,239 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $13,519 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | loan book shrinking |  |
| 2017-06 | 2 | assets shrinking, members leaving | losing money, loan book shrinking |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 2 | loan book shrinking |  |
| 2018-03 | 1 | losing money | assets shrinking, loan book shrinking |
| 2018-06 | 2 | net worth falling, members leaving | losing money |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 3 | auto monoline |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 1 |  | assets shrinking, auto monoline |
| 2020-09 | 3 | assets shrinking, auto monoline |  |
| 2020-12 | 3 | margin squeeze | members leaving |
| 2021-03 | 7 | delinquency 2x band, delinquency rising, charge-offs p90, members leaving, loans>95% of shares | margin squeeze |
| 2021-06 | 6 | loan book shrinking | delinquency 2x band, delinquency rising |

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

- 2025-06-24 [Michael P. Farmer - Downing & Lahey](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9SNS14ZU5UZ2tsbC16RVNtc3VHMzlraDd6RTlreTBSS1ZYY3pwdzNNSHVkZF9QekpJRkxXYmh4SU5OV2lka2NvLXBEbHU2M0NkeHYtTW9PUHZ4cHE1NmhZcw?oc=5) · Downing &amp; Lahey
- 2017-02-17 [Roger L. Nelson Obituary Feb 17, 2017 - Dennis Steffel Omtvedt Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBfTlN0SEsyeUdHLTFaRlEtTHRwN3RtZGxrV3poUENNd0t1bHV3bC04Y3UyNG9ZbWVtazJWWXZBWmVxaXFPR19EX25WbHRGdFA1QUU0RndmQUota3ZrUTA5c2NB?oc=5) · Dennis Steffel Omtvedt Funeral and Cremation Service
- 2026-05-09 [Cristina Sommer Obituary - Creve Coeur, MO - Neptune Society](https://news.google.com/rss/articles/CBMigwFBVV95cUxOeTFMYXdqa0N3eHRXcnFaYk5UMjB2eFlwZURoclpzVUFwTG5sOWtYT3hIN0F0d0FKT2ZPelE0azBlWXZpR0l6SXY0UDZaX2RES0E1aW1fNG84eGxpd0kxMFJPTk9Gam14eHBLUTJZcE1WODZRcnNCRFZXTzFOUzBPWEJxaw?oc=5) · Neptune Society
- 2022-11-06 [Juanita Martinez Obituary - Wheat Ridge, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQb0ptOUJZcHJGVFFuZEFYcE5rUnhSMVZMb1R3RWIwcGE3cHc5VjZQYlpyUmc2WXB3Y2dKcW9TSUh3eEtVRlhwRGNOVGF6QmJfM1UwRDZzQXJfaHo2U0JOeUUtM1IzZVhqalF5OGFZVEl0ZmF1RExNMFZBa3ZvU05FSEpOMW9RRTR3eExN?oc=5) · Dignity Memorial
- 2022-12-18 [Michael Devine Obituary (2022) - Davenport, IA - Quad-City Times - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQZzBPaTRqOElLRmVaM0ZPMWljazBEU1RRWDJCeVJUZFl2dUViZmVjYU56Z21iR3lIYmtDeGlQV3VIVWNMb3lkVy04N0lqNjk1NTl2bXBlbFRwV0NITEZ0ZFR1dURhWGFjVEt2UnpEcEJZSGlzZWVHeEItb05FdlE2TlpKUU1WTC1jZi1uXzVR?oc=5) · legacy.com
- 2023-10-21 [Kathleen Stratton Obituary (1942 - 2023) - Fremont, MI - Muskegon Chronicle - MLive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNWG4tbUZtbjA2UjJKUUYxeTN0SjBEMDBic2diZUo0dGwxLWZ3U1VjRGlxQ1RCcmNpeFB1b2tEOE9TT19vRENtLS1uOWt6VzdlNTMyQVlrQTVWQWJTY0hYcmNpMEI2bEVhQ2JjOVlLNDJSZk80WFZMZEwwa0Zma0lFbE1wQlA1dkgzTkN2SEFaRVZicVdZ?oc=5) · MLive.com
- 2014-08-07 [Horizon Announces Debra K Pedzinski as Vice President, Mortgage Lending - GreatNews.Life](https://news.google.com/rss/articles/CBMipAFBVV95cUxPX1MxUGpZOGhJUFhyenUzOWpPQUtrcHpsNEFmZGRSR29NUjlsLUJxRE1NT2RTaDM3S2U0QnZ3NGZSVzRXTVFyTUlFanAyc2pnQUhxc0JldE1WVXNjRUotM21MN3RJODZWWnk3WnpyWjRuREJuTUplOXI4dVJNY3pjRWp5MWJ6YWgybWtyLV9QOUN5bmF0S3hSckozTE92dWNKRmxuNg?oc=5) · GreatNews.Life
- 2021-10-08 [Christopher Schwarz Obituary - Arlington Heights, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUkNyd3RhdGw5WGxETGN4NVdoWEVYNEFfdzBHaUZuNXQ5Qkdva01WcE9jbWluNVg5bmdRUlNMdlhhakJIOXJweTctbDM5ZGZ4ZWR5ckNzRzl6VEd0MHRJd3czYmEtZG9jSlZhdF9rX2ZGcXUtOHJmY2s3UnZSQXZNdE9DSzdJY2o2eVZ3R1RTNmQtSWRoc0tB?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10843 (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/27.json (key "10843", 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=10843
- 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