# ST. HELEN
DAYTON, OH · NCUA charter 10900 · asset band <$50M · latest filing 2018-06 · stopped filing after 2018-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-helen-10900

Who the members are: federal charter, associational, organized 1956. 683 members of 5,000 potential (13.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.9M |
| Members | 683 (-7.5% YoY) |
| Full-time staff | 1 |
| Net worth | $198,434 |
| Net worth ratio | 6.9% (p3 of band) |
| ROA (annualized) | -1.85% (p3 of band) |
| Total delinquency | 1.60% (p71 of band) |
| Net charge-offs (annualized) | 3.64% (p97 of band) |
| Loans / shares | 39% (p22 of band) |
| Cash / assets | 13.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.80% (p35 of band) |
| Operating expense / assets | 3.27% (p47 of band) |
| Vehicles % of loans | 57% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.80% (p88 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 43% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,630 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $7,383 |
| Loans granted, annualized | $422,590 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 5 | thin capital, net worth falling |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 7 | charge-offs p90, auto monoline |  |
| 2018-06 | 8 | capital below 7% | auto monoline |

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

- 2026-04-09 [Stage set for Ospreys return to St Helen’s - coliseum-online.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFAzamVyVXUzRTloZkEwYXpMYmkzRmtMcExodGJQRHR3NlNtUGhBbnBER1locldCNm1aRlZFQUFFR2lsRFc0b3B0YklEUHFzQVk5WFBBTThKLWE0WGVFS1MxWGVZcGpLU2JqcGNvU0FYVld4UUMxVjFuM3dSQlA1ZDDSAYQBQVVfeXFMTjAxZjBrVU5pUzRNY1N5el9oVU9fazNaMmM0Y0I4dTUwdTR3R3VpNEJfanhqV2w5NTJJMDNYM3FRWjBnMnh6SmNvdDFRVThfVnBpa0hvZElSdmo0Z25vZFpDRE5pWW5UaXFRSklraERPX3pHVmFxT0hwcEFrdTkyNjFsVk8z?oc=5) · coliseum-online.com
- 2019-10-15 [Two Dayton-area credit unions merge - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOS0JMbHNCRkU2eFBMRmJvWUhkZktlNzJaRWlRM1A1VTRWNnNVMUUzazFFc3A0UW9JRjh6UFIxUExoNUVJRmxMLWRqa2s0ZmRQUEp4RVgtS0toSnhjc3JVb2s0cEhtTnRtRlo4d2NxU3ZQek5COUJSQVUxa1A1Q3lwX3NDaS0ydXQ5ZXZUVUprdm9QbENBY3c?oc=5) · The Business Journals
- 2015-06-06 [Jesse Miles Mcguffin Obituary Jun 6, 2015 - newcomerdayton.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1uSlYyYnp1aXRqTG9WQW1pUUN1enFZWHd0aTcxQlhmQlJiY2FrUWQwMkwtVG94RWo3THRQOVhXMm82b1FJRUlmWDB2cmxjR0dsNzBnTzhSVXBab3hqMVVYYUxtN1NVd0IzV2JQUldoZw?oc=5) · newcomerdayton.com
- 2019-10-09 [Brian Poole Obituary - Dayton, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE45c0R2OU94My0za1MyUElmZ2FMZi1GUGtBRWhpdGsyb2xtWG1DUGlTWEpMcGxoXy1ESHFFUTBudE9EbGFsTGFxUnJKNjJnRWRXbFNiOThVbmN3NmEwbVEyWXJQQnNKNjhReUg2UmN6cWEzazBOd09OTkdRbV8?oc=5) · Dignity Memorial
- 2003-09-30 [Joanna Bretelson Obituary - newcomerdayton.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5OejlmYS0yY1VJRWF1THFCT3M5YWpmbkNMajVGTEJqY0pxbV80aTk1b2FWYlV0QkhDamlJVzZEOGdya0hEbWFSRzFuUmtYQ2x6eXVBQ2lqOUpuRFB1WTJkajI0M2FRbktrUEE?oc=5) · newcomerdayton.com
- 2021-06-04 [Donald Washock Obituary (2005) - Albany, NY - Albany Times Union - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxNRWRFSHVwZ3lZVGlXSTc0cEoyUklIa01jVC1FTHQya2FKeWFURlhBVEhBMHB4V0hCZnA5NG85Y0pHUDRRMGEyV29yV3p1SllZS2ExT01HMWlkS0kyNjA1UmVCVkYxMy00czRQZGlUZHllbVJNaUhMcnE1YmI5Ny1BQ2puaDEyLUtYV0ZXV0hjR09lRGJEQ2RqdHN3?oc=5) · Legacy obituary
- 2025-08-15 [Ospreys move to make historic St Helen’s home - coliseum-online.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQemkwdTBabWE0VC1CQzZmRTdFMXNUMTJqYVE1aFBtVFY5UF9wYXZqVnByRFpOUjRMLWpSenNwX1pmbWNwWTg5dllpb1k2UFdDbTBiSHlMLXoxNVBVTWhOY0pMc1A3MWdaUW9MMXlHU1F5SzE1LTFhYWZjTmFXaDZqSzh5UdIBiAFBVV95cUxNaW0wa3lLTVZsWkZPTjBZN1V1blhUSmxnY1JwX1lFWElPWEhhNHl3amFQeWdRNkFkTXhfNU0wWUJBMFZBRDlBV045bEhhaEJ2R3BPT2M5UDFFdXJhRzFiT01oVEM2bVlyd21IYTY5cGZQcy1oMFp0bkk0QVlpckE3NVJRZEl1dGhZ?oc=5) · coliseum-online.com
- 2021-06-25 [John Deis Obituary (2008) - Greene County, OH - Dayton Daily News - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxQY3pVSzRrX1YtbzBWbXUwT2VqRlByU2hxV29EaVBSdU4zMVVMZ2pMTVU1UnIyTE1PcXB4ZlZ2RmlmMHdraHhmVEQydDJmN01tUUN2WTlMZGdzaTgzNFlLS1o2Rk9YR1JtNlJuNndWMGd1cHAxckMwUmV4TmFFQUxWMHJEbDg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10900 (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/20.json (key "10900", 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=10900
- 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