# MERCY HEALTH PARTNERS TOLEDO, OH · NCUA charter 12706 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/mercy-health-partners-12706 Who the members are: federal charter, service (single sponsor), organized 1958, low-income designated. 2,926 members of 12,000 potential (24.4% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 40. **Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $20.8M | | Members | 2,926 (-7.0% YoY) | | Full-time staff | 5 | | Net worth | $2.4M | | Net worth ratio | 11.4% (p36 of band) | | ROA (annualized) | -15.66% (p0 of band) | | Total delinquency | 2.12% (p78 of band) | | Net charge-offs (annualized) | 1.73% (p92 of band) | | Loans / shares | 48% (p33 of band) | | Cash / assets | 25.0% | | Borrowings / assets | 0.00% | | Net interest margin | -3.31% (p0 of band) | | Operating expense / assets | 12.71% (p99 of band) | | Vehicles % of loans | 50% (p40 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% | | Third-party paper % of net worth | 131% (p97 of band) | | Vehicle delinquency | 1.44% (p74 of band) | | Vehicle NCO | 1.02% (p87 of band) | | Repossessed % of vehicle book | 0.00% (p44 of band) | | Real estate % of loans | 33% | | Credit cards % of loans | 10% | | Unsecured % of loans | 14% | | Commercial % of net worth | 0% | | Core shares % of member funds | 86% | | Certificates % of member funds | 7% | | Average share balance | $3,332 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 40% | | Loans granted per 100 members, annualized | 7% | | Average loan balance | $7,355 | | Loans granted, annualized | $1.2M | ## Flags firing in the latest filing - **losing money** (`earn_negative`) - **expense trap** (`earn_opex`) - **margin squeeze** (`earn_nim_squeeze`) - **delinquency 2x band** (`aq_dq_high`) - **charge-offs p90** (`aq_nco_high`) - **assets shrinking** (`shrink_assets`) - **members leaving** (`shrink_members`) - **loan book shrinking** (`shrink_loans`) - **3rd-party paper>100% NW** (`str_thirdparty`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 2 | losing money, delinquency 2x band | | | 2016-06 | 2 | | | | 2016-09 | 2 | net worth falling | losing money | | 2016-12 | 1 | | net worth falling | | 2017-03 | 2 | losing money | | | 2017-06 | 2 | | | | 2017-09 | 1 | | losing money | | 2017-12 | 2 | members leaving | | | 2018-03 | 3 | 3rd-party paper>100% NW | | | 2018-06 | 4 | net worth falling | | | 2018-09 | 4 | assets shrinking | net worth falling | | 2018-12 | 2 | | members leaving, assets shrinking | | 2019-03 | 3 | members leaving | | | 2019-06 | 3 | | | | 2019-09 | 3 | | | | 2019-12 | 3 | | | | 2020-03 | 9 | losing money, expense trap, margin squeeze, charge-offs p90, assets shrinking, loan book shrinking | | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-12-24 [Linda S. Buschmann Obituary Jan 1, 2018 - Eggleston Meinert & Pavley Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE9xNDZaMU90d3FBckgtQ1BEandUUmNneEhPYU5zMDlFNE9JWW15VnJCTDFjX0tITkxiX0ZzVFN2aEhFWTdFV3FhRmlJX0ZRVmtCN1d0RjFHaXNTeUNJbURNUW5GYnVXVWJtaHpJ?oc=5) · Eggleston Meinert & Pavley Funeral Home - 2015-11-01 [Laura B. Trzcinski Obituary Nov 1, 2015 - Newcomer Toledo](https://news.google.com/rss/articles/CBMia0FVX3lxTE0wUWtJRFpCSV81NnNocTJkSlllRF9aXy1wekNxRTRMeEcwY1dOdWREUW1aWVZqOXFINXR5dlNWaHUzUGc0VEZRd21PNHZvMGJLYmJxRk9wQngxcm5ZeHQ5cEJnWjRDZmdFQVVz?oc=5) · Newcomer Toledo - 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=12706 (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/34.json (key "12706", 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=12706 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide