# ST. THOMAS MORE
Arlington, VA · NCUA charter 20157 · asset band <$50M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-thomas-more-20157

Who the members are: federal charter, associational, organized 1970. 1 members of 1 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1,798 |
| Members | 1 (-99.0% YoY) |
| Full-time staff | 0 |
| Net worth | $1,798 |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | -12121.36% (p0 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | -4658.95% (p0 of band) |
| Operating expense / assets | 6005.84% (p100 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **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 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | loan book shrinking |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 2 |  | loan book shrinking |
| 2018-03 | 6 | net worth falling, losing money, margin squeeze, delinquency rising |  |
| 2018-06 | 5 |  | net worth falling |
| 2018-09 | 4 |  | losing money |
| 2018-12 | 6 | losing money, assets shrinking |  |
| 2019-03 | 3 |  | margin squeeze, delinquency rising, losing money |
| 2019-06 | 1 |  | members leaving, assets shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | margin squeeze |  |
| 2020-06 | 3 | members leaving |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 5 | delinquency rising, loan book shrinking |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 5 | assets shrinking | delinquency rising, net worth falling |
| 2021-09 | 4 |  | assets shrinking |
| 2021-12 | 4 |  |  |
| 2022-03 | 5 | losing money, assets shrinking | loan book shrinking |
| 2022-06 | 7 | charge-offs p90, loan book shrinking |  |
| 2022-09 | 7 |  |  |
| 2022-12 | 5 |  | members leaving, loan book shrinking |
| 2023-03 | 5 | delinquency rising, members leaving, auto monoline | margin squeeze, losing money, charge-offs p90 |
| 2023-06 | 5 | losing money, expense trap, loan book shrinking | delinquency 2x band, delinquency rising, auto monoline |
| 2023-09 | 6 | margin squeeze |  |
| 2023-12 | 6 |  |  |

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

- 2026-01-19 [Patriot League Men’s Basketball PenFed Credit Union Players of the Week Announced (1.19.26) - Patriot League](https://news.google.com/rss/articles/CBMizwFBVV95cUxPMlNZaU84YW91VFVlRW4xMHpPM2FnNVp5aEFubm9VcVpMRFd5XzlQZ0doaEg1S0x3X1VwVHlfOFJpTHVINDdIUmFVNzNNVUI5RGNEY3pCZzRXYzFEYTd2TktWaEJ3cHd1cmtuM1BDczkxdUNrbWR3MWRXdFBHQVRoSXVINVkyaUVWejdtMEJNbm9GcjZKU0l6UjRKVzBrTEVqUlpCS0dQeEtveTd2WV9nb1dQSTd3dFM5NjREOWVicEFQdVMyT2NaWk9HdW1OYWM?oc=5) · Patriot League
- 2012-12-06 [William Edwin Owen Obituary Dec 6, 2012 - Ranfranz and Vine Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE1ueGRzVE5aRG15bGpuNFJxVzNoZ1I1Qm1TQ3VDcHlmQUlEbTVQcEw1X2dGSTd6VFcyOVc3cl9wQS1RM0Q3eTNyVUFpS0dfeGhjNUNiY2lCd2VjVmlMT3FXTHp4NGd1ZlFfMkItUUZBc2U?oc=5) · Ranfranz and Vine Funeral Homes
- 2015-01-21 [New name for Bethlehem Teachers Federal Credit Union, and other company news - The Morning Call](https://news.google.com/rss/articles/CBMirgFBVV95cUxPSXJVM2ZZQXdXUjJKYjM0b2tpRUNsU2N2Z1RvWHpjTWVEeWNXSG1VZE5OaHZTYUxLam9rSUEtN3FYekRub0l6bmpmU1h4VFFjRThPUm1ERFZnZXdJbmcwZEVnQ2VuaVhkdWlpTnlKejhlZHhrMGpGSmRPa09hc25XWXFGTTBud0ROTVdCRFl0d2FDUVZvd004QjZlR2hVbHZ6TU5WanRPcWs1NkZ4VGc?oc=5) · The Morning Call
- 2026-06-12 [Evanescence kicks off Sanctuary Tour in West Palm Beach with powerful opening night - cw34.com](https://news.google.com/rss/articles/CBMiqgJBVV95cUxNdUs5SVVNdFRaUW5za2ZXbVVZMEczNFA3X0VLT1RzLU1TQVJBVUQ5YlMwS3l4d2hLODVyeENPeHFjYTNoQ2JZWHZ0dy1xX0lGUUthZXUwQWx3Y1BkVUlPdWdDcXRYakZ5UTlxU1Fad3Y4YzJUWUQ3SFNEYV9oSGtpeV9YZGNadF9rRG5MZUFtQTJFRUhaeVdXWmpKOU9KZmlZODVKQjlvZF9XdEowenN2bG5hQldJa2YzWUdzckpJNnZpdGJ0Snk4akMwYkZuQmd0M1FhUXBlVWJPaWMtWjRKSm9vcUhQNklnYmktVUppWmN2VGE5RlN6eTZmeDRiQmVJR2xOV1YyYzBxdC1iWEpzcmRPZllLSWVwblhwNEVCY1FWNF9hNTZGcDJR?oc=5) · cw34.com
- 2026-08-17 [Bernadine Leach Obituary (1944 - 2026) - Davenport, IA - Quad-City Times - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPYXltZnFXSG9nZ09zemlNS09NN2szRGdmMXVwWDFyNDk5bEhrYVk2NWxTNjViUnZ0Ym9fVEdUX3dfdmxWdElOaW1NU3FWLW93bm94UU1OVkViOU9maEprX19VX2hRMG5lRVMtNlNmVnhUS1pURXAwdXh5NmltT0p0Rk84SkF5RzA1ZkZSVlV6NA?oc=5) · legacy.com
- 1992-03-03 [DAVID KAMENS DIES - The Washington Post](https://news.google.com/rss/articles/CBMisAFBVV95cUxOeFRHZjRaNnB4VlM2a3FQUWlpU2tfNHluM295UEZ1Mk5aQVgxSnA5UDJ5dVB1TmZzRHlPMnkyRFVNTS1FUVZENVl2QkxDZEExcXlaT1lfdFMxRDNIa0F6R0M5T3BQOWFmaDhROTZxYnhHdmRYb0xCV0JGYXEyUlpHMGgzUEpWemo3SnU5NEt1aHVGTF9HZzJZZ0RvdUQ5TVB6bnZ4QVhIcElvSnRIVmNRQw?oc=5) · The Washington Post
- 2024-10-28 [Joan Green Hans Obituary (2024) - Louisville, KY - Joseph E. Ratterman & Son - Southside - legacy.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9MZGFOZGlIYWYxVWpyalRfR2p6T25wSjlpYzF4Tjc0cExIeWRzZDV3RkI0NXFrckVPNm91OFRNLVJSSnRyTzZYeFB4dXZETmNZZXA3MDlOWnpvNjRsTklqM0F2WXJKc0l0eUx4M1lJQU1tQmVwMDdLOW5RSTA?oc=5) · legacy.com
- 2025-08-21 [Elizabeth A. "Cipolla" Salzillo Obituary (2025) - Cranston, RI - Woodlawn Funeral Home - Cranston - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNMG1KU1hxcnBISDNJLW5kNXRzWFRqbHM1WjZ6UkZGU3Qyd19JcW5XTHpsWEhDZ3F3dkNRWlZ6YVBMSXE0MDlKaDJPZlRiOEJVemM0Tjg5MlZaSEszNF94M0VmVTZHWmFLSzJ3cXhmdWk2Z05relFnYTFlODlKNkI0cGNnX2gzdkpj?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20157 (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/61.json (key "20157", 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=20157
- 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