# HOLY ROSARY CHURCH
Wilkes Barre, PA · NCUA charter 12621 · asset band <$50M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/holy-rosary-church-12621

Who the members are: federal charter, associational, organized 1958, low-income designated. 114 members of 600 potential (19.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *too clean*. 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 | $336,045 |
| Members | 114 (-3.4% YoY) |
| Full-time staff | 0 |
| Net worth | $42,874 |
| Net worth ratio | 12.8% (p47 of band) |
| ROA (annualized) | -0.59% (p9 of band) |
| Total delinquency | 0.00% (p6 of band) |
| Net charge-offs (annualized) | 0.00% (p25 of band) |
| Loans / shares | 36% (p15 of band) |
| Cash / assets | 66.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p62 of band) |
| Operating expense / assets | 7.28% (p96 of band) |
| Vehicles % of loans | 7% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 93% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,572 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $4,748 |
| Loans granted, annualized | $135,712 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, delinquency 2x band |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 5 | net worth falling, assets shrinking |  |
| 2017-06 | 5 | members leaving | delinquency 2x band |
| 2017-09 | 3 |  | net worth falling, members leaving |
| 2017-12 | 4 | members leaving |  |
| 2018-03 | 7 | net worth falling, delinquency 2x band, delinquency rising, loan book shrinking | assets shrinking |
| 2018-06 | 4 |  | delinquency 2x band, delinquency rising, loan book shrinking |
| 2018-09 | 5 | loan book shrinking |  |
| 2018-12 | 4 |  | loan book shrinking |
| 2019-03 | 2 |  | losing money, net worth falling |
| 2019-06 | 3 | losing money |  |

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

- 2024-10-27 [Nicholas V. Parise - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMif0FVX3lxTE1TVUo2RmUzTWdBUDZOOU9FQTU4NDJwcnE0eF8yX1FLYVo5czFyWEt6SjJBcXAxOWgwdW9NR2RaUmJaYWpqWFNiZF8wRWhmVi1xejJCc1hVVnJVUF9oNGdnTDBoS1o2OENaUXVuaE9pS1RDaENFMmpUSXFGZ1d2OGs?oc=5) · Scranton Times-Tribune
- 2020-10-23 [Bernard Charles Pernot - Kiesinger Funeral Services](https://news.google.com/rss/articles/CBMid0FVX3lxTE9MZmtkOVhQYnMyTWc3RnVrOVpXcDdLWlp0cTMwdldRU2dMZ1dHQ2ZZbmJ6aGhaSU90QW5scHVpVXpYRGhMc1owSEFMcmR4UTBNWldSODZoYllnN1Y4c2RMandTQTBYM0ZVUUZPQjhldWJpT2ttYjY4?oc=5) · Kiesinger Funeral Services
- 2025-04-22 [Mary Alice Rowley - The Citizens' Voice](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOG9SdU5PWm5rLThkbTN1RmZSdHRPc0tFczUzYlpNR05lc09TWlBhRHh3czdxY1VsTUFRMTc1b3YzQ1ZVbFl2RGVTMHQ5TmstekI1VElNejNLQ1B1SXktem5ZdmtlUzE5WTN4czFONHdVcXB0VF9zQkJtUGNBWG16M1hn?oc=5) · The Citizens' Voice
- 2011-09-13 [Elinor Aufiero Obituary (2011) - Wilkes Barre, PA - Citizens Voice - Cleveland.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYlRGSW82OWxRYXlXMFJmc2JYQmxhb2hwVnFnQ19ETGFkTzZKZURDWEo1cFltSWlFdGVWbVBZTWRQUXg4N0FLSW53UVdiYzZmY3ZMT01PMDduTmNFd1RpZVpscVVRUlBCa09PSTlNVnk3V0Fpcm1xZExQXzVOV01wM0VjOGhIR0FhV2pjRm80WmlfcWJHcWdzWVBsRmo?oc=5) · Cleveland.com
- 2018-03-05 [Restored mine cars to be displayed - Pocono Record](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMzJZS2ZyVGdQZEE0bVRpaDhLekR0ei02cUlSQV93eHgtVHNUWklRWFN0ZGZYanY1LVVFX1E3alBHWlBmeGIzRGVuT3BZdDRIME9ZNlRmSUZpSWlldDdnMDBwcE5tX1JZQTQta05jbVZzSzB3SWlYU3JXakVJLUJ1aHFJQlN1b0Q0RjNJLU15UkNtb2xkbTNkTS13?oc=5) · Pocono Record
- 2019-05-04 [Robert Marciano Obituary (2019) - Scranton, PA - Scranton Times - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPd1JJVDVXb0taSWRha0hNZGxJVldwdWhLYUxacUpZTlR6ak9sbFQwdV9PSngybFpWYXV6MjlMdVZPSXVfUzF2OUczbUVDRW5MRU5UWFpaR3hTNnQzazF1T0tVT2llUXFBc2VkWkh0N3ZKU2UxeDJmOHIzSzhUQ3ZqQ3lVdUc3TGNoUkNlalVqaVBjV0lwaFE4OWtB?oc=5) · legacy.com
- 2024-12-27 [Justin McGraw Obituary - Scranton, PA - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMiekFVX3lxTE1FOUJJY092ZjNqM2tSTFp1eXJEQWRaSXBNVWtyU1BVcVZnN3Z2ZERueURwQjBoVnNFVk4xeU5QZFdQYld1SE1zNVFUUzRXR0NYSF9PZEp2MW5XN1RHQTIzMDU3MFlyNzV6WWRPVE92UEpxbFBia05TUkFB?oc=5) · Scranton Times-Tribune
- 2026-07-26 [Louis M Nardella Obituary - Scranton, PA - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMifkFVX3lxTE5JSGhwbnUtdHhTcGF2ZzkxTjk1SWRvZkFISm0tZVRjX294UEZfamJZZjZmQnoyNTRFSHV4dk5zTTNYLUJ0WE5iYUZuMG5RSXlyWnNHeWV3QktHZ19JWkpobmR4OHk0aWRwRS1JaGtLMDhoc2s0azVNNk1wei15dw?oc=5) · Scranton Times-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12621 (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/13.json (key "12621", 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=12621
- 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