# PARISH
TOLEDO, OH · NCUA charter 2935 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/parish-2935

Who the members are: federal charter, multiple common bond, organized 1938, low-income designated. 1,734 members of 300,000 potential (0.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $23.7M |
| Members | 1,734 (-2.7% YoY) |
| Full-time staff | 4 |
| Net worth | $2.7M |
| Net worth ratio | 11.6% (p27 of band) |
| ROA (annualized) | 1.74% (p89 of band) |
| Total delinquency | 0.01% (p18 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 53% (p44 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p54 of band) |
| Operating expense / assets | 3.32% (p41 of band) |
| Vehicles % of loans | 45% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 17% |
| Average share balance | $6,043 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $9,674 |
| Loans granted, annualized | $2.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 | repo signal | net worth falling |
| 2017-06 | 0 |  | repo signal |
| 2017-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | members leaving |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 | net worth falling | members leaving, delinquency rising |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 2 | margin squeeze | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 4 | net worth falling, losing money |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling, losing money |
| 2021-12 | 2 |  | members leaving |
| 2022-03 | 1 | net worth falling | margin squeeze, delinquency rising |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 | assets shrinking | delinquency rising |
| 2024-12 | 0 |  | assets shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes
- 2026-03-16 [Obituary for Margaret "Maggie" Ann Hohnberger - verkuilenfh.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1vUkxXUUtncVN3X2ZfQnAwTUE2UkRYSzVfdE5XU0o1NHpKUHVSaXdEVmM2dnJ5c1ZjT2lqVGoyWVZxbFRPakoxSk1sNkQ4T2ktcVlkakpCeTZLTVhSRGw1MVpFOVhvMFZrMGpvQlZZTQ?oc=5) · verkuilenfh.com
- 2026-03-20 [Albert C. Lunemann Obituary Mar 20, 2026 - R.K. Lindsey Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE11OUFROEkzMkgtRlFBQ3NJSUxxWnUzQWIwMWZPdndDYjJiMHdXV29kcTVVdXMxdWN0eXRTV3FOZGhCUG92ZXNkMUg5OV9uVTFIbUh6Z1BTd1RyRkZxcGJoM2hn?oc=5) · R.K. Lindsey Funeral Home
- 2026-02-13 [Paul R. Bailey, Sr. Obituary Oct 19, 2021 - Rossi Funeral Home | Canton, OH](https://news.google.com/rss/articles/CBMibkFVX3lxTE9KVmhVWVp5U2ZRdDNaTkhJU2pOM2FnR2U5eXNLT19mQlVzZ25VNTRlcy1ZdDRRNmJhSkVaWDdtOEVZX3pqSzNGeXlvT3FFWkxXTGgyQkc5b0RseF82X2tSVEhvbFp0ZEFpOG8xOFFB?oc=5) · Rossi Funeral Home | Canton, OH
- 2026-03-13 [Francis Joseph Brahier Obituary (2026) - Perrysburg, OH - Witzler-Shank-Walker Funeral Home - Perrysburg - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNlZxWEUtamZqbVlRczFpSkUxUXY3clBjUlBzWnQ2WHBCREdVNTNpRXVMQV9aZDRoZ0JDQ1FmU2x2elRObXN0TEtDRWxJLXkwV3RsTGVGNWJ6dlJrQzBQQ1FRam1CVldzcm1ETEVSejR6TFZrR0JKQWh5a2w1bU5CQ2sxMGw?oc=5) · legacy.com
- 2025-12-28 [Robert Keller Obituary - Middleburg Heights, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMikAFBVV95cUxQenY1a2VBM1JHcU1PR1ppVTdwQ2dnckNFd09ZNXdTVHY1RXdCU1FGb2xETmQtY21pQTl4WXZQbUpIVFJHekhIMVg1RlF6ZzlqSmhyTi1XYUQ3b3FPRDdZbklRWkphQjVuUXltd09GUk9iWmlMelc4TWFpcVB6N1RlR1pvdXZzNnFhWXFHWHJaRWM?oc=5) · Dignity Memorial
- 2025-10-20 [Six Houston men arrested in Ouachita Parish ATM theft attempt - KTVE – myarklamiss.com – Your ArkLaMiss News Source](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNWRPOEZzUXNZSHJlOWZKN0l6X21MNG1qNTJaN3FxeE00dW1JbG9vTlNYaHpJeHRIVmtfV0hIdEtWTUxTZVF3RUdUZTFSUXZPejVYMFc2YlpVZmJKdVFzYW9QSEl3c0xTWUhoV0FNZWdBbjVRRm5ZMk1BY3hfZTNaTFRlYzcycG12dWxVMXQ0ckJOa0pMSFhZSVZ1UVRXYzVPQVVtVmtPX0VNejDSAbABQVVfeXFMT3hUbDFhX1V1N0RnemIxTzhVM1dGWEY1WlV0cEpPTGI3RHROUEhMbFd4RXo0cFZfTU56alV0cFRZSjBweTctYXFfMkFQelBJNzFVWTFHU1FKUDZCZFluVnhLcVZwc0pTcXVoSWM2N2JkTE5PZE40aDY1dVp0emVDSmpnb0g2a3FVaktKNUJ0ckdXcG1zRk52NHBkM2N5NktfZ1pHYUtFeWYwRFhQa1RyMVk?oc=5) · KTVE – myarklamiss.com – Your ArkLaMiss News Source
- 2025-03-06 [Christian Financial Credit Union and Catholic Vantage Financial Approach Final Step to Merge - Detroit Regional Chamber](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOWV82N0xKT1E5TEFtN2ZXLTNscXZmbmduOGRER2VNclprNk9XY0N2dDh0LVZEcGFsaFczLWpsYTRCZHAtNUJmWTFkUkY2Qkk0SEFPemFma0RpbTlBd0NSSFRpdk14YlZ0S1pRLUxmZ0U5Tm1wcTEwZlpPU2dnUEkzR05ZYkZFbHRESVdBU1daYkVTdmNoc0JncHZDcWtRTHlFUndpUVRwQnVvZWtLUUstakhrWFYxY0t0R1dwYVo3VkZQUQ?oc=5) · Detroit Regional Chamber

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2935 (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/55.json (key "2935", 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=2935
- 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