# ST. JOSEPHS CANTON PARISH
Canton, OH · NCUA charter 4884 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-josephs-canton-parish-4884

Who the members are: federal charter, community charter, organized 1942, low-income designated. 5,801 members of 372,578 potential (1.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $63.6M |
| Members | 5,801 (-1.3% YoY) |
| Full-time staff | 13 |
| Net worth | $7.1M |
| Net worth ratio | 11.2% (p33 of band) |
| ROA (annualized) | 0.87% (p60 of band) |
| Total delinquency | 0.21% (p20 of band) |
| Net charge-offs (annualized) | 0.39% (p63 of band) |
| Loans / shares | 40% (p13 of band) |
| Cash / assets | 48.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p46 of band) |
| Operating expense / assets | 3.46% (p46 of band) |
| Vehicles % of loans | 71% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 99% (p86 of band) |
| Vehicle delinquency | 0.02% (p12 of band) |
| Vehicle NCO | 0.89% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 6% |
| Average share balance | $5,473 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $7,800 |
| Loans granted, annualized | $7.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 7 | capital below 7%, net worth falling |  |
| 2016-12 | 6 |  | delinquency 2x band |
| 2017-03 | 8 | losing money, charge-offs p90 |  |
| 2017-06 | 5 |  | net worth falling, losing money, charge-offs p90 |
| 2017-09 | 5 |  |  |
| 2017-12 | 3 |  | capital below 7% |
| 2018-03 | 4 | assets shrinking |  |
| 2018-06 | 3 |  | assets shrinking |
| 2018-09 | 4 | members leaving |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | members leaving |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 4 | repo signal | 3rd-party paper>100% NW |
| 2020-09 | 5 | margin squeeze, 3rd-party paper>100% NW | repo signal |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | net worth falling | delinquency rising |
| 2021-06 | 3 |  | 3rd-party paper>100% NW, net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | capital below 7% | margin squeeze |
| 2022-06 | 3 | delinquency rising | capital below 7% |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 4 | delinquency rising, 3rd-party paper>100% NW |  |
| 2023-03 | 5 | assets shrinking |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | thin capital |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 | members leaving | assets shrinking |
| 2024-09 | 2 |  | delinquency rising, members leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 | delinquency rising | 3rd-party paper>100% NW |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4884 (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/20.json (key "4884", 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=4884
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide