# UNITY CATHOLIC
Parma, OH · NCUA charter 4966 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/unity-catholic-4966

Who the members are: federal charter, associational, organized 1942, low-income designated. 9,125 members of 600,803 potential (1.5% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. 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 | $98.7M |
| Members | 9,125 (-1.2% YoY) |
| Full-time staff | 22 |
| Net worth | $8.8M |
| Net worth ratio | 8.9% (p10 of band) |
| ROA (annualized) | 0.31% (p29 of band) |
| Total delinquency | 1.52% (p87 of band) |
| Net charge-offs (annualized) | 0.57% (p75 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p69 of band) |
| Operating expense / assets | 4.10% (p68 of band) |
| Vehicles % of loans | 37% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 61% (p78 of band) |
| Vehicle delinquency | 2.80% (p95 of band) |
| Vehicle NCO | 1.09% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 21% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 31% |
| Average share balance | $6,125 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.6M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $10,430 |
| Loans granted, annualized | $16.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.6M outstanding purchased (52.8% of net worth), $7,458 sold and retained. Sold in 2 and bought in 4 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | delinquency 2x band, charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, losing money |  |
| 2020-06 | 1 |  | losing money |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | net worth falling, losing money, margin squeeze |  |
| 2021-06 | 3 | members leaving | losing money |
| 2021-09 | 4 | thin capital |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 5 | losing money, delinquency rising | margin squeeze |
| 2022-06 | 4 |  | members leaving |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 1 |  | losing money |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | 3rd-party paper>100% NW |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | net worth falling | 3rd-party paper>100% NW |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling, losing money | delinquency rising |
| 2025-06 | 2 | delinquency rising | net worth falling, losing money |
| 2025-09 | 2 | delinquency 2x band | delinquency rising |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 |  |  |

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

- 2019-01-17 [Ways to plan for Catholic School Tuition - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMiogFBVV95cUxNUFJ4N3ZlMUtEZGxsdVhJcFpyLS1Sa056alJfNzJaSFNPeTZFVTNIaHVKc0M1ODNUQVpaYkh3V3g5NlVhRFNjdnlfbGdHQTZlUEZyQnprSmdLOXh1eThCMkpybHY4ejNKMl9QazBrdG9FOWRaTTA4MGRUT1RrdmQ3UjVqcmRvN3pVUXV6WE1uS016RTJEN2I0VU5NSV9vWUxHTmc?oc=5) · Catholic Diocese of Cleveland
- 2026-07-01 [Cuyahoga County Scam Squad set to launch teller-based fraud prevention program - Cleveland 19 News](https://news.google.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?oc=5) · Cleveland 19 News
- 2026-01-24 [Local Credit Unions, Law Enforcement Address Rising Fraud - Business Journal Daily](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWDZjQjZhUVBZY0RrS2I1LXczanVkM01TSkJ1STlhMW5YMlkzLWdUMS1GQTF3YzFHWm1sRXBQbmY5V09IRFlSQ2ZMN3NyWUhDWW1vTHhVNXktVnR3QUtPMkxXalJ3TV85QmJvUGRta1YzZEpvc09vNEJ6eWpuNGxtMEI3NzVPWjY1VlRhZXlSS3E1UjhS?oc=5) · Business Journal Daily
- 2026-04-27 [Flaga Polski: Parma’s Polish Constitution Day celebration and parade returns May 3 - Cleveland.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOTFE0TUNJMmdHTElQQWhvYU9VM0Fad1FlZERTeEk0TTlYemI3czJtTDNQNlh0WHpZYUxicUhIQktMU2hXei1KMWFzVUdxTDh0NmZIMmhJLV9FM18xa0pWYWNkb2E0akpDNGdUV3VpSVZxY2dZRlN2OV9QZW5rVFI5TkZjTldnS283dXRlNWpKZ1FObGVNaHE3M0RQWEJiLW9fYWtjOUtXNGpPMF9PUVE1SE9wWjRRV1ZhMzJkaVRoR3MtU1RIeXhjOQ?oc=5) · Cleveland.com
- 2021-12-01 [Record-breaking $3.19 million raised during sixth annual #weGiveCatholic - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQSkpXQXp1Y0xrbmk0T1JxRWxadnZSRnMybnhzSVBtVWlCRWV2cDUyUURQbmdTVXhiVDNsMnpWcHJBYkltVWZ6eXA2c3NlSTNndWJHdWdvbDRIc3hSSVdaVkJqdlVxYkZsQ0dmaExkWFdDLUhhdEJnQi15a3NMSDN6Yy1BS0lrVnRGM1Nld1VDVFlYTXE3c1cwTThuWnVsY3ptMVhYd3NONGo3d1E2NDFnVTZReVdwalkzcWdIekZEUFBEYnhsY2tNeQ?oc=5) · Catholic Diocese of Cleveland
- 2026-02-27 [Erin Marie McQuillen Obituary (2026) - Cleveland, OH - Zabor Funeral Home, Inc. - Parma - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWkR4bDAxNmJYOVJreG9kVDd3NVh3YTBOVl9CblIzZThOMTBKd0JOYkI0azZaR2NHRno3UUlqYlhYNnY0NnhUdTNMNWJrRVRCc0JIZDRZZ0hqdktsQ1dPa3NzV19iZGpaSVJzc3p2V0R4TnlHeFR6N1NXYXota1ZzVEFYQQ?oc=5) · legacy.com
- 2026-09-03 [Thief doesn’t return vehicle on a test drive: Parma Police Blotter - Cleveland.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNdlVtcjNRS3huWldSMmNORWxVdXpVbVZNNzRyUWpPSDBFSlkzT3ZQWVEyM3BYQWQ1TXRTcHR5dDcyWC1nWTh5M3gtQ1FZajc0S2otelNjZGpBdFV2ZFg5RFFwVngyY2NmTzF0UUhfeVZTYUlQcm9iOFhfWG1IVW1DdDhid2NVRWZycmxNNXUtcnpOWU1GbW52R3p0bHR3bWxDTzJzd3FuWVVKVFRBU2piX244Yw?oc=5) · Cleveland.com
- 2025-01-22 [Gary P. Raymont Obituary (2025) - Avon, OH - Busch-O'Connor Funeral and Crematory Services - Parma (North) - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPemJ1SGtZaVI4aHZPeWcweUVkQndwTldMLWJpN2hBeDBsRVU1UndaYTkzTnIwbFhwY1RKY2ZWQ00xb0ZGTmhJSDlScV9UZ0ZmYzM2WlBHRlk4aHVRNFoyV1lSQzVKSmhGMlFPX1pMbGEwbWxPVEUtMndScl9IY0g2UA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4966 (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/38.json (key "4966", 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=4966
- 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