# NOTRE DAME
Notre Dame, IN · NCUA charter 24034 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/notre-dame-24034

Who the members are: federal charter, multiple common bond, organized 1983, low-income designated. 67,077 members of 300,000 potential (22.4% of the field); checking penetration 88% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.33B |
| Members | 67,077 (0.5% YoY) |
| Full-time staff | 255 |
| Net worth | $122.5M |
| Net worth ratio | 9.2% (p17 of band) |
| ROA (annualized) | 0.77% (p57 of band) |
| Total delinquency | 0.57% (p45 of band) |
| Net charge-offs (annualized) | 0.28% (p22 of band) |
| Loans / shares | 94% (p78 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 1.72% |
| Net interest margin | 3.79% (p80 of band) |
| Operating expense / assets | 3.82% (p80 of band) |
| Vehicles % of loans | 12% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 5% (p11 of band) |
| Vehicle delinquency | 1.06% (p81 of band) |
| Vehicle NCO | 1.24% (p63 of band) |
| Repossessed % of vehicle book | 0.07% (p48 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 236% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 22% |
| Average share balance | $7,812 |
| Participations bought / yr | $1.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $3.2M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $25,583 |
| Loans granted, annualized | $339.6M |

## Participation posture (from the same filings)

Bought $1.9M and sold $0 in the latest annualized quarter; $3.2M outstanding purchased (2.6% of net worth), $20.6M sold and retained. Sold in 7 and bought in 5 of the last 8 quarters. Shares 8.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | 3rd-party paper>100% NW |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | loans>95% of shares | net worth falling |
| 2017-09 | 3 | leaning on borrowings |  |
| 2017-12 | 2 |  | thin capital |
| 2018-03 | 2 | delinquency rising | leaning on borrowings |
| 2018-06 | 3 | net worth falling, leaning on borrowings | delinquency rising |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | thin capital, net worth falling |  |
| 2019-06 | 3 | members leaving | thin capital, net worth falling |
| 2019-09 | 2 |  | members leaving |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | loans>95% of shares, leaning on borrowings |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | loans>95% of shares, leaning on borrowings | delinquency rising |
| 2022-09 | 5 | net worth falling, expense trap |  |
| 2022-12 | 4 |  | expense trap |
| 2023-03 | 4 | delinquency rising | net worth falling |
| 2023-06 | 2 |  | thin capital, delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | leaning on borrowings |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | loans>95% of shares, delinquency rising |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | loans>95% of shares |  |
| 2026-03 | 1 | net worth falling | loans>95% of shares |

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

- 2026-09-01 [Sept. 1: Notre Dame Federal Credit celebrates new Fort Wayne location with lunch, branch blessing - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPclVJeEhydDlyVmN3eHl1SURHdEItUFpybHlYR1pIWkt0Vm5mVnRBcC1JeVVBZnJGeFkwcGE3UG5MMURCem5NOEhJVFgtRWtLWG5BdUNDMGNHVVB3MHhvbDRFMGNUb3VsYkpCMnlLYk1nVTN1bExuWTBsT0hCejVoX0VMRTVoZU5o?oc=5) · Fort Wayne Business Weekly
- 2026-02-13 [Notre Dame Federal Credit Union announces merger - Inside INdiana Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxOSlVLYkJ4RHJaLWlYYVZpcW56M0ZRcUR0SFI4Q0FFdzRjWEtySHc1amc4SXNEMTQ5VHNsSWlaRHZFWGhBbmVGcW9COGxjeWtyY3hod01aWHk5bGktXzhnRi1FRS1uUFRwdkpxT1ZKbmVDV3BPYVUySXp4VWxYbXFVLWliSnhWWjBJYU55ekxuYzFpb3R6Q3VmLVAtQQ?oc=5) · Inside INdiana Business
- 2026-02-11 [Notre Dame Federal Credit Union, Catholic United Financial Credit Union announce merger plans - WNDU](https://news.google.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?oc=5) · WNDU
- 2026-02-02 [Notre Dame Federal Credit Union and Catholic United Financial Credit Union Announce Intent to Merge as Strategic Partners - PR Newswire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOMHFha3FqR0U4UWR1Q3FKeS10bkVzWjJ2ZzZwWHdJZWVhQ1BxNHNwSFBXTDB5Zl82NnB6RFlxVVZOMmJOUm1mS0Q0dlRCSW5XU0RYbG5Sa1RNaVljU3JOOTFSbnBRNjRHWkg4c25nNGRyY2Jfd0Y5dHZmWTQ4Ml9NeUpzMkVka1pVYk56THhvNldmUERLaDVBT3A3NmJDanpCT1RNTUQtNGRoQnFOWHZPWEhGSmZtclFxODREQkpYWWpFNXZLTE5fTXFTWkVIMUZiRkNpaEVRNFNSaEQtWTNJRTVwVmk1NGhzOGhlc0VmRVRXSEM4TzZzVEhENjBMWjhvSmtGbHpadUg?oc=5) · PR Newswire
- 2026-07-09 [May 5: Notre Dame FCU opens new Fort Wayne office - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOXlzSXBrT0cyQkNHTHhWZmViZG0wdlJUQXA4SFYwSDVUY3RYeFFIc0ZOWGZZQkoycGduVTU3ZnNhRVhwTkN0dUNNSS1ubnRsQmo0WXVBUW05aTFFbmRUbHJYQTFOV3NLQ3dEVHZiWFJtYVQxaFUwMV9ZeWhGZy02N0tkUjh6WENP?oc=5) · Fort Wayne Business Weekly
- 2026-02-18 [Notre Dame Federal Credit Union to acquire Catholic United Financial Credit Union, - nwitimes.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdHpJUVo5YjVLb08zUFRGS2pMWnM0UkxVLUhFQXdXQ1F3TWtIdV91aFVKWUxGWENPQTh4cnRPLUFNeUMyZzZyN3FJSWk1bUVQUU5NVWxUcC03UVFUY3Y4dHFGZjRpdXZ6Zm9NN3RJTUVlaU5pQjk5VW00NllTRlRoUGp6aGE4TVhCaERxclV6c2I5Uzht?oc=5) · nwitimes.com
- 2026-02-09 [Merger unites two mission-driven credit unions in Midwest - South Bend Tribune](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQVTJFejlwUG9SMm1IX2htQXZkc0tJdFhSaGJSOXRVQ3RHYlhtOXRjZkI0bF9xUk1qSlZmZERaNk82WmttQzJhaEFQT1dvTkFtSGpjdjdNelAtWTlVWDBDZzNTRHJuY2N1WWNVUnQ3ejZxdlpDWDNFaHBVVUl1MVJwVzAwVTU3MjVTWEp2blY5bm5TZ0VoejlBZ0hyQWdKQWxPbDFsR1d5T3FEYjVHZlk1ZXllajZBQkVaUmZHSVZOeWtHR1hiVzBFUjg0RXhjUGEtWEE?oc=5) · South Bend Tribune
- 2025-09-25 [Notre Dame Federal Credit Union buys Arizona trust firm - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMitwFBVV95cUxNQ2RjSlhJOHdBVmx1WllGZmYxbU9oMG5LUkdORzNHSXJxUm5vVFg2Njd3ZWQ4RUFHVDU0SV9MWGwwSEFMdkhrZmNYVWlrMFJSazBZa0hRWnFIMi1NNUFqRzFyb0N6dEVhM09CZGRXUWZVXy02RVdQeTJLRS14eFBOM3VkeWdHWG9DSkNzcEdhWGRmbDBmRF9tcm9LU2pFS0t2TmZ1ZFVOdlMzbFRxZTBQOHA5WjZSZGM?oc=5) · Northwest Indiana Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24034 (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 "24034", 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=24034
- 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