# OUR LADY OF THE ANGELS
FALL RIVER, MA · NCUA charter 14695 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/our-lady-of-the-angels-14695

Who the members are: federal charter, community charter, organized 1961, low-income designated. 992 members of 92,000 potential (1.1% of the field); checking penetration 6% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *too clean*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.4M |
| Members | 992 (-7.5% YoY) |
| Full-time staff | 2 |
| Net worth | $118,702 |
| Net worth ratio | 4.9% (p1 of band) |
| ROA (annualized) | -4.78% (p1 of band) |
| Total delinquency | 0.18% (p21 of band) |
| Net charge-offs (annualized) | 1.75% (p92 of band) |
| Loans / shares | 64% (p61 of band) |
| Cash / assets | 34.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.90% (p99 of band) |
| Operating expense / assets | 12.22% (p99 of band) |
| Vehicles % of loans | 22% (p14 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 | 4.63% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,191 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $6,301 |
| Loans granted, annualized | $669,288 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 6 | losing money, delinquency rising, members leaving |  |
| 2017-06 | 9 | net worth falling, margin squeeze, assets shrinking, loan book shrinking | delinquency rising |
| 2017-09 | 10 | capital below 7%, charge-offs p90 | delinquency 2x band, margin squeeze |

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

- 2025-05-18 [Dick Tedeschi Obituary - Hanover, MA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbE43UXVIU2tLUXJPZmx3X0JBeG80Ny10T3hSQzE5Y0VpTUVqZ2RBOTBZRUhLcmU1Zk10bjRWZmlGbHVwdVR0RHJTMWZkQVl5azFjbmdMVjU2M1JzTGcxVlVhYVBNaUhwMHBleGpmVENZNUlJOHhMRlVvbWlqcFcteGNB?oc=5) · Dignity Memorial
- 2017-05-29 [John J. Doherty Obituary May 29, 2017 - Callahan Fay Caswell Funeral Home](https://news.google.com/rss/articles/CBMiV0FVX3lxTFBwMTZaV1NzZVJnTjlNdEhYUEtZUnJXNFB5SE10THVyWTBsa01qX2tnbGtCV3VsZXItVFhIS1B3d1A1UTVTR2FLWUszU2F6N2tiOTdza2VrTQ?oc=5) · Callahan Fay Caswell Funeral Home
- 2026-08-26 [Family says goodbye to Kurt Solomon: 'I love you, brother' - MassLive](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPcUN5T0tab2VMdTNkaWg4eVFmVWJPR0hHVFk5WC1qNno4LVJsOW81Q0prVlBCTzFRQVZHZnFOaDNENnlpV2JjVjYzemlwZXNiQlNscXBoR25zS2dJTExYNVZ6S2lvNGh0VFBqZGp6V0tVQVFNLURqZk1pZE9DWTJSVGtJNnBXZHBVbkMxZHlVSVRJSmR0VXpwRXZqR3VxSGQ1NzBqYmRJaWpDMWtCbFNpNnNwVFRvWHk0YVBPeGQ5N0I?oc=5) · MassLive
- 2024-06-04 [Carlo Orsini Obituary - NJ - Trentonian](https://news.google.com/rss/articles/CBMiZEFVX3lxTE85MVhIbHZLV1czMFVmTWoxMnlZWFcyd1hQNUdSM0dMbHFhSDkyMmZsdWFnLTFJMzJRdXlyTlFkdm5RRUlTVnIwc0xwMVVOUGxHdlNSdkFncE5xRXhLRnI4T2ptSzU?oc=5) · Trentonian
- 2014-03-13 [Funeral Mass celebrated for fallen LAPD Officer - Angelus News](https://news.google.com/rss/articles/CBMikwFBVV95cUxPLXY0Rl9PRWRJd1UwMmZ4MHZ2ZHVoSU8yZG0tb2plSGRLdWJqWnRGdXA1R1NPWnNFNTVkdE9maVh5bHpCekd0a21vWm5WVktfVnF4QjE0V2Q1WVZMbDdyMk1SZVVJXzZRZVF6QmJJM2JDc2NDQndEdk9CX0tYNVVzR3B3bjE2bGxhTjVocDdpRTBPcVU?oc=5) · Angelus News
- 2022-01-14 [Carlo Orsini Obituary (2011) - Trenton, NJ - The Times of Trenton - obits.nj.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQS2hTekR4OVdDVkQwUmYtdFdoMWVMMDdHaUl0SnJ2YjdNZkdQX1FtbEsxTGhKNlhJOGpadnRUVG1HbkxCMS1ZamE2cjBtUERTaU0yWVVEN2pmbHhIelc0cWw4WW9ySmRMUndicU52eFgtdjV3TndtOTE2TENjdlcwNEo1RW5pYm5u?oc=5) · obits.nj.com
- 2001-09-13 [Tara Creamer Obituary (2001) - Worcester, MA - Kalamazoo Gazette - MLive.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNS2M3VHJjdjdXWC1UQWJ5UW4tcGhuZG9aZ0JRZFVic3BOMFZXWVZXaTQxY1dVeVBRR002YVEzZWZMRW9XQm43OHdnSEJmVHZja0dEa0tnNjJiTmVaN3JVWWk3bmNKMDZwSzd5bmN4cHZSLW1zemtSeUEwTzNIZkdvalptNGhWMnZiczlsMFVRbw?oc=5) · MLive.com
- 2025-01-29 [DIANE DONATO Obituary (2025) - Plymouth, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOS190eHFfVlNDdHg0UHZUQXJ3M09LS3RXNkh4WkhobzFMQVZ0elpXcWk4TkxGQ09OU2hnYkpDUWpHRHU2TUtpTkMwVHdKVUgtRFZfVm5SbndfMEVaWm5zU1U3VDY4TWJlbVZZRDZLWVlrczR6c082MGNzWGNWQlVRcWExSDcwR29mclB2LUN6U20?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14695 (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/39.json (key "14695", 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=14695
- 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