# ST FRANCIS
Greenville, SC · NCUA charter 17626 · asset band <$50M · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-francis-17626

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 1,810 members of 4,500 potential (40.2% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. 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 | $10.9M |
| Members | 1,810 (-9.0% YoY) |
| Full-time staff | 3 |
| Net worth | $2.4M |
| Net worth ratio | 21.7% (p88 of band) |
| ROA (annualized) | 1.51% (p95 of band) |
| Total delinquency | 0.12% (p30 of band) |
| Net charge-offs (annualized) | 0.03% (p55 of band) |
| Loans / shares | 73% (p82 of band) |
| Cash / assets | 39.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p92 of band) |
| Operating expense / assets | 4.14% (p82 of band) |
| Vehicles % of loans | 76% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.15% (p44 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 9% |
| Average share balance | $3,079 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $8,220 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | delinquency rising, assets shrinking |  |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 3 | assets shrinking |  |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 5 | delinquency rising, repo signal, assets shrinking, members leaving |  |
| 2020-03 | 4 |  | repo signal |
| 2020-06 | 4 | margin squeeze | assets shrinking |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |

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

- 2026-04-22 [Jeanne Swift Obituary (2026) - Marietta, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPMV9zV1diMEwtZlJJRWxuUWhReVdEWHlvNjhzSHh4ZEw3OXFham0td196UW9IQ2o1YnRWR1RKTDl5QWZqdk1Wc3BWdTZvUW9lRi1yLVROVDhrMklhZ19rbHplMG9GMTJhbl8tZ2JVWUlyaHZSM3hYNkdKQ0RHbXFleUJSZUhzcU04ZFM5clZlUWUwUQ?oc=5) · Syracuse.com
- 2025-03-10 [New CEO named for Secured Advantage - CUInsight](https://news.google.com/rss/articles/CBMiggFBVV95cUxOdzczSExXSjhwV0o3ZVJiZ0Y5Q1E3RHA4TGFBR28yX1RJQUdfcXFMSEJXcm1Pd2hodTRxUTF0OXV6MHRnUXVsMzhReGs1YmZfc0pVaHNucW9oeXQ0dWF0b3dRbnVhMFh4SUxGNDhVbkZtMTQ0LTlOOWM5X1RIaDhBVDd3?oc=5) · CUInsight
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2021-08-25 [The Best Credit Unions to Work For, 2021 - americanbanker.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNYlN2WjllenlDWUJrX2RSV3poQmstWjY5Nk5fdkZyenplUUJ5REZnQXd6ZnJUX2NqMWNjS3N2NmlDQ2VMZ25DbWdlcWRuekxwZHVUTkIycWJMQ3pTWExxU3NiN0hlMTlnUzJ5YkQxM3BLc052TTBKaUE4X3dHckJrMktRZ0NGMW1DbUZz?oc=5) · americanbanker.com
- 2024-12-26 [2024 SC Best in Business - Greenville Business Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxOaE1Yb1M3UER3RnZ1QU85R2VCWGlDSDR2Yi11LThzcmhLUWN0eWs0RDZSdVVzN084SUhoSFJ3dHNDcDdKX0Z2eGk2NFVjVE5oOTZOSTd0aFpKcnZmdHhDazVTQkJsNnVyWkp1RFpJcFNPOU9oc0psWnFvY3FaVFplWg?oc=5) · Greenville Business Magazine
- 2022-06-08 [Here’s What Latest Disclosure Forms on Proposed CU Mergers Reveal - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUFJ3ZmoyelRvWDZJX0tZTzlTNlVpeWdocFY0OFp2a0J1R09sQWNHLW4wZWlVMnJXOVhVd3kxZFNYcG9aLUF5TmJCZ0QySk9FUDgzemJCN0xlT0RtbXVETWhDZjBkQ01YWU0xWHNFRG44R1k1ajYtcXlTbDBKWHJ0NTJpVEVJdlM1azhNbHVVRkVHcjhnMXNnY3hFUXBnaFBObHUxRw?oc=5) · cutoday.info
- 2021-09-16 [Shannon and St Francis Credit Unions complete merger - Limerick Post](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWVpnVVpaYVZfUmZGc056R2dPdjBhcklYRWtkNlBNQ1NSSWhaaHBfN0NpUWFYQWlUNWxIN0U0dWxXV0VNMklxel9qV3hPOUxsb3J2RXlndDRmUUMtMzMwdTJ6bWs4LXJpUlJkdXliTVJiaTcweUR5NUN0X2J4U0pmOUFlVmRDVlUxeGdHaXNpS01kS3VtY29F?oc=5) · Limerick Post
- 2023-05-18 [Elizabeth Anne Gosnell Ingram Obituary Dec 7, 2010 - obits.jhenrystuhr.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5xVExncjBxTE5EQ3pEdG52ejE5b29LV2IzWEJzSXZKXzdrYWh6NU9CMjNkQm1jWFZ6SV8wMVloV2h6LUdGVDRILW1EUHJyVU54ZktoX2hOVHFxMC1z?oc=5) · obits.jhenrystuhr.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17626 (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/26.json (key "17626", 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=17626
- 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