# ST. PIUS X CHURCH
ROCHESTER, NY · NCUA charter 18090 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-pius-x-church-18090

Who the members are: federal charter, multiple common bond, organized 1967. 5,103 members of 20,000 potential (25.5% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $98.2M |
| Members | 5,103 (-4.2% YoY) |
| Full-time staff | 11 |
| Net worth | $9.5M |
| Net worth ratio | 9.7% (p18 of band) |
| ROA (annualized) | 0.31% (p29 of band) |
| Total delinquency | 1.34% (p82 of band) |
| Net charge-offs (annualized) | 0.46% (p68 of band) |
| Loans / shares | 68% (p63 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.93% (p15 of band) |
| Operating expense / assets | 2.85% (p26 of band) |
| Vehicles % of loans | 28% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 92% (p85 of band) |
| Vehicle delinquency | 2.88% (p95 of band) |
| Vehicle NCO | 1.23% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 18% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 44% |
| Average share balance | $9,069 |
| Participations bought / yr | $2.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 96% |
| Average loan balance | $16,008 |
| Loans granted, annualized | $21.8M |

## Participation posture (from the same filings)

Bought $2.9M and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (17.5% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | net worth falling, losing money, delinquency 2x band |  |
| 2016-12 | 2 |  | losing money, delinquency 2x band |
| 2017-03 | 3 | thin capital |  |
| 2017-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 1 |  | net worth falling, thin capital, delinquency 2x band, delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | assets shrinking, loans>95% of shares |  |
| 2018-12 | 2 |  | loans>95% of shares |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 4 | delinquency 2x band, members leaving | assets shrinking |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | delinquency rising, delinquency 2x band |
| 2020-03 | 3 | net worth falling, charge-offs p90 | members leaving |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 3 | members leaving |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 3 | delinquency 2x band | net worth falling, margin squeeze |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 3 | delinquency 2x band |  |
| 2022-03 | 2 |  | delinquency 2x band |
| 2022-06 | 1 |  | members leaving |
| 2022-09 | 2 | delinquency 2x band |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | losing money, delinquency rising, members leaving | delinquency 2x band |
| 2023-06 | 6 | delinquency 2x band, assets shrinking |  |
| 2023-09 | 6 | net worth falling | assets shrinking |
| 2023-12 | 4 |  | delinquency rising, members leaving |
| 2024-03 | 3 |  | delinquency 2x band |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 2 |  | losing money |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | net worth falling, delinquency 2x band |  |
| 2026-03 | 4 | delinquency rising | 3rd-party paper>100% NW |

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

- 2018-09-12 [Getting to the next professional level takes some swimming upstream - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxObTk5b2RiOTlfbDFKZGtnVWRndXE1Vm1WZy0xV1pWUHVxVkh2SEY0eDNDU01xLU16NFFkRmlfTjBUVl91YzRiMVNkVXl2S3BjOE1RNi1RdFFCdmQ5UW1hai1MWVByRGlWdHQ1N0MzaktYMHVjaTg1QWtCck5LOGRva0dmUGRZZHJqbnRDY1plN3RCY1lOQ2oyVVAtZEtHNjN6bzVzSzlTTF8xU0RKR3BNcmtBY2loblk?oc=5) · American Banker
- 2024-08-10 [Angelo M. Gaudio Obituary Dec 23, 2020 - New Comer Cremations & Funerals](https://news.google.com/rss/articles/CBMiZkFVX3lxTFB2ODVWTDBlSTZtNUZ0V29jcVlzYnRYMzRuWjdMX1B2V3VfNnczQkM0aHBfNHcxYU05YTdmcDh4Q1B1c1Z3UUtJa0IwVkQtUVpMbTI1bWwtQjI0R1lxVVNETEZQd1FQdw?oc=5) · New Comer Cremations & Funerals
- 2026-05-26 [Kathryn E. "Pietropaolo" Graham Obituary (2026) - Rochester, NY - DiPonzio Funeral Home - Rochester - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxObmt1Z3A4MHY2OUtiN1dDUW9EWVl3bzlPSm9kNnZLRkRsdlVTdXJYTGhWNlh1ZzVYS3hXNW1iZ3dkRE82cGFFVkFCV1gzaGR0WkkxNGI2S1FDdzFiUVBQX0lxNHZJU0NLVFdVeF9TcWtSampWQVNOTGlkdmNveWprYTRxbw?oc=5) · legacy.com
- 2021-02-19 [Helene A. Macpherson Obituary Feb 19, 2021 - New Comer Cremations & Funerals](https://news.google.com/rss/articles/CBMia0FVX3lxTE9PWEJmVFVRUmk0WjhZbDVoa1FPQ3NuS293bkpCZ3pJSFBfa0REV0xLLUxCQlViMmNvVjFac2VsYld4ZUhDa19VVlItdTlBcnVtRmV1emlaZnY1MGpaM18zQUt4cF9mdE92QzZ3?oc=5) · New Comer Cremations & Funerals
- 2026-08-27 [Kathryn E. Graham Obituary (2026) - ROCHESTER, NY - DiPonzio Funeral Home - Rochester - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQbjlDWVFJcXRHQ0syVXk1WjJQUUdIcGtuRzBxYTFtSnVqSFc2VWwxNmpDZDdlMUduU1JGY0NRXzJFZGxlOHlvb0h4Qmc2ZURieDNBNFhVWm9oeHc1UTItV3pHc2QzUEJyQ3hxdVBubjBxNTkwWVktdjlKWlhCY3lSRlNOUQ?oc=5) · legacy.com
- 2021-01-14 [RICHARD DEVINE Obituary (2021) - Fort Wayne, IN - Fort Wayne Newspapers - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOM2lXZjQzSUhCbUNrVE5kMjVXY2VRX3hNRktqUUhJVmNBWkdSN2tnc1R1NUtiVlNvZmMtOEpxSWQ0MVU5c0tObk1kV2dZcnprRWFneW1YaHktdC00dFVMVTFfMFZ6d2dkOTJKNTZET2R2VjMxaXdRRnZDZ2pnRDJGdFRHNnpBS2hJWDJ4cVVnbw?oc=5) · legacy.com
- 2021-06-23 [Kenneth Bopp Obituary (2009) - LOUDONVILLE, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUVNSU29fMzF0Y05jRHhlZ2wwRlE2QkxjSE9lLW5QUGpsY05xNWxDRmJtbUlzamE2cEFwMGxkNms5ejNQV0JIVHZrUWVBWWVOVVhybzl3a2stYTI5Ym5VOE53NVJ3Z1JLeDdfUkp2SUN6WF9vZW9rZmFqSHBkNDVnQU1NbS0xTERZTHViSnl3WFNjMG53OWVB?oc=5) · legacy.com
- 2021-06-02 [Caden Schild Obituary (2008) - Clifton Park, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQemhHYlduNDdtXzRrc0RWTm1MS2FXejVFN3o1OTRjNzhmTXJZYnNtV0JGYVNzTzFKVHVBVmtMa1h2RW96dm5MMl9raWZkSWhDUHU2R3ZGZUVsYjRKU3JCN0ZralZDNWtJNUVlUk9SUVRacmphUHh3TlVnWW9nM3NwNWlLc08yTi1HQTlXR3BUeXRYMDhlWUJv?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18090 (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/42.json (key "18090", 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=18090
- 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