# ALL SAINTS
Parma, OH · NCUA charter 4845 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/all-saints-4845

Who the members are: federal charter, multiple common bond, organized 1942. 3,992 members of 10,000 potential (39.9% of the field); checking penetration 23% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $45.4M |
| Members | 3,992 (-5.9% YoY) |
| Full-time staff | 11 |
| Net worth | $8.7M |
| Net worth ratio | 19.2% (p71 of band) |
| ROA (annualized) | 0.73% (p58 of band) |
| Total delinquency | 0.84% (p58 of band) |
| Net charge-offs (annualized) | 0.17% (p62 of band) |
| Loans / shares | 54% (p45 of band) |
| Cash / assets | 33.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p35 of band) |
| Operating expense / assets | 3.23% (p39 of band) |
| Vehicles % of loans | 54% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.18% (p68 of band) |
| Vehicle NCO | 0.26% (p76 of band) |
| Repossessed % of vehicle book | 0.16% (p93 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 18% |
| Average share balance | $6,515 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $15,213 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2024-07-06 [Mark R Radwanski Obituary Jul 6, 2024 - Walker Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE9KWG1TaUlkYXllUXgyNVIyVnhyUVJGSXIybDUxc2RuZHp1anN6QVdRXzJRLUFVbmY3YUFfQkRzOEs4MmcySFRFeVU4aVRBenU1SWZqaWxIVzBkeUFONmIxMzBFd0g0d2ZDNHZ0Ug?oc=5) · Walker Funeral Homes &amp; Crematory
- 2026-06-10 [Catching Fire ‘Knights with Christ’ event draws crowd to St. Columbkille Parish - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQSURHRWtzalNrdDlVQlRuUGExc2tTRUJEaVdBRHdPOTJzRWFwOXIxWEVMd2JTUE5ZMHgtQ2M4eXRnLWFLbXlRZmNRZ3ZjX3NMeWtQWFMwRHpNZTV2NTBLdVo5SlBxTk5pYV9salJvbGlyZ1NKUERBVTBMazFpeHgwVDg1cnNVMVlwWnZtTWNQRzUtekNIVU9mN2NkbkhYRldHQndTVEE3bDA1SDYtVktOcXhTbjdsTC1kNUJseGN3MUFDVnA0RHczQU1qOWJENHpNUmc?oc=5) · Catholic Diocese of Cleveland
- 2023-01-27 [Victoria Scott Colbert Obituary Jan 27, 2023 - Newcomer Toledo](https://news.google.com/rss/articles/CBMiakFVX3lxTE1lcjRZT2xMY3VjdGY4bTJ0Um9JdmlXcWFJRnZYc0QtY19kS0ZSRmhNT0ZkbDZJMTZkVWVvd25Ma2VNWUN1eUtBWUhYRnJGcmJrQ1NVYlB6cHh3aWhnekpwcldWa0JZcFlaR1E?oc=5) · Newcomer Toledo
- 2018-02-09 [CHRISTA KOVATCH Obituary (2018) - Lyndhurst, OH - Cleveland.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOUx1NDhmaktBMGlJMGlIeTktbW0xdGk4LU5SYnlsVzhGa1hDY0MyRF9CZDZEVm9GTlM0S1VQS282TXhkS29JQUJHSkZ4M0g5dHJYN1lBcHRONGlXUG1KMGt1UDNvT25jdlozT0pTak1oTU4xSVZ0SV9BX21nUi1LWXRxRTlpcDhUOGcxQnZfNzMyQ2VUOVB3Zw?oc=5) · Cleveland.com
- 2026-02-13 [Harold Peiffer Obituary Aug 19, 2016 - Hoffmann-Gottfried Mack Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE1XeThPS3FTeVhnT3YySzM2Vm15WjE2TGVRMmRGQ2R3bVFtTlZzTVhvTUpCMHgzbFI3OE94VDlsQ0syZUxqUTJQZWx6VU5sRHo4SW9UUjE4azBnNlkwbENHZzVXMDNBNXc5OTVn?oc=5) · Hoffmann-Gottfried Mack Funeral Home &amp; Crematory
- 2012-05-18 [James O'Neil Obituary May 18, 2012 - Hummel Funeral Home & Crematories](https://news.google.com/rss/articles/CBMiaEFVX3lxTE55dXV1NTRwb3ROaGRDbDdHeGRKa1lhYXpJRTRYYmtVRXR6Z1dseTZiMzVNbGN6aDFGTUxELVd5eUFic2lkUGRMREJOSXNJM3ZoSEpUTmhJbGkyRmRRTVVZV0RuNlJicFNF?oc=5) · Hummel Funeral Home &amp; Crematories
- 2024-12-11 [GALLERY: All Saints College host annual Christmas pensioners' party - Belfast Media Group](https://news.google.com/rss/articles/CBMilAFBVV95cUxNX2JadllId3BPekhGbDlIS2FaRm0wRXczSzZCU3lCVTlNd0JfY19BSGY1OUFUR1BmcjZWVzE3anBxWEU0Y2Nqd3MyZVNkMnEwVWxZX01GQXBTei0taG5tSEo2aHlfb1lSZndTRzZGZ0c4dW9naHRBNVdDdFpGSl9oNDZ3OHYtSXlPS1hkZWRLOFJqZ1ZR?oc=5) · Belfast Media Group
- 2011-04-11 [Margaret MONTZ Obituary (2011) - Toledo, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQenFuOU10MnNxNGdXTWZZU2lIOGVaUzdaUEpzbjUwd1Z6NnFvVjVKRTd2WUtTbHMxbEQ0QWVrRWVpOGowdUowNno0Rmd4VElWcTBpWVdBbFVTbUpDN3FVeDcwZEdSb3YxUXBWdVoxNnc5OXRFa3lDWUJKZFE4XzFtOVp1dEY4TnhJZ2dMdTZFVUJBQVk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4845 (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/45.json (key "4845", 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=4845
- 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