# CATHOLIC FAMILY
Wichita, KS · NCUA charter 5510 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/catholic-family-5510

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated. 3,612 members of 108,484 potential (3.3% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $39.8M |
| Members | 3,612 (3.6% YoY) |
| Full-time staff | 8 |
| Net worth | $3.0M |
| Net worth ratio | 7.5% (p4 of band) |
| ROA (annualized) | -0.32% (p18 of band) |
| Total delinquency | 0.94% (p61 of band) |
| Net charge-offs (annualized) | 0.71% (p81 of band) |
| Loans / shares | 63% (p58 of band) |
| Cash / assets | 35.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p37 of band) |
| Operating expense / assets | 4.24% (p65 of band) |
| Vehicles % of loans | 63% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 303% (p99 of band) |
| Vehicle delinquency | 1.46% (p72 of band) |
| Vehicle NCO | 0.40% (p79 of band) |
| Repossessed % of vehicle book | 0.79% (p98 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 18% |
| Average share balance | $6,277 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $694,219 |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $18,023 |
| Loans granted, annualized | $9.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $694,219 outstanding purchased (23.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **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 | 3 |  | thin capital |
| 2016-12 | 4 | repo signal |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 6 | net worth falling, losing money | delinquency rising |
| 2017-09 | 5 |  | net worth falling |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 | thin capital, net worth falling | auto monoline, repo signal |
| 2018-06 | 2 |  | losing money, thin capital, net worth falling |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | members leaving |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 7 | thin capital, losing money, margin squeeze, repo signal |  |
| 2020-09 | 5 |  | members leaving, repo signal |
| 2020-12 | 6 | loan book shrinking |  |
| 2021-03 | 5 |  | loan book shrinking |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 | members leaving | margin squeeze |
| 2021-12 | 5 | net worth falling |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 3 |  | losing money, net worth falling |
| 2022-09 | 2 |  | members leaving |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 6 | repo signal, assets shrinking, loan book shrinking |  |
| 2023-09 | 4 |  | repo signal, assets shrinking |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | loan book shrinking |
| 2024-09 | 4 | delinquency 2x band |  |
| 2024-12 | 3 |  | delinquency 2x band |
| 2025-03 | 3 | assets shrinking | delinquency rising |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | losing money, auto monoline | assets shrinking |
| 2025-12 | 5 | net worth falling |  |
| 2026-03 | 6 | repo signal |  |

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

- 2023-11-17 [Catholic Family Federal Credit Union BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNb29ScUFoT0wwaXVad3M2anRDMjJaTUw4aENZSUF5V2xXcDhfM1V6bFpOanV0dzRPb2hsOWpMR3Y5Z3VqVTNrckd2UUFyUGt6alhXN3RXQ3J0MWFYWnRNVWtDVlNkRktEZzlYTmtTUXJyNlpqYW9xYWNxNFNCQU1UaldyS0JhSE9oeHpOQjFGOGhVTm9qeGdWOElaNG5fN00?oc=5) · The Business Journals
- 2025-06-24 [Ashley Dawn Neises - Downing & Lahey](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5UbDJZdHE0WllZc1NsTl9LTjJ2ZzdRUzRzbnJGRmx3YllzUkRlQ0JyejdaQlMtTWhXeWg0STRqdXJNRDNRQ3VhYTE3d05SZDlWVENVRmxGVE1TUWc5OUdEcktTdw?oc=5) · Downing &amp; Lahey
- 2018-03-26 [William McAuliffe Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxORjBNWDNxa2gyYnBuZlBSTmVPeENYS3dnNllTQU5TRUs1dF9oN1lPU2p5SllyNEdDOWgycWxGaV9MYS1GVVhiQm1jek5ab19HaWY5QWJITFdDMVFWVnk5Vi1LNmtuUXFvVGdCZUJEd0tvSElVMW0yQnFqWmoyRXo1T2RsUkF6cklQRjBr?oc=5) · Dignity Memorial
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2014-07-31 [40 Under 40 - Cynthia Hand, Catholic Family Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMitAFBVV95cUxQbDRRYTZQdnJGSl9ROXEteTAtOVNEcXVfNUFDYjVyZEJHMThJcGxzbmM2SFpWem1OYUxNLThEbjJOZXQwb3JqVWZLbjVCNE5WVC1rMWVDalRaNU9hYzVsZEh0SURBUmlPWldKa2ZhQ3VjeVQwWDJjMzZ4WkJuS1RnaG1WUWpHU0Z5b0QyYXlWRUNUX1Y0LVVJT1FRLWFWZzhxSEowd1FnandxWHgtVzZvODVOS3c?oc=5) · The Business Journals
- 2021-10-17 [Joseph Wheeler Obituary (2007) - Wichita, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQ1dIVlVMYjBuUURNYmRKeGRkV2x0QzRWRUZOSFpwenl2TWxxNkxTOHIweUVHcTdPaElrRFlaWlI4WXVpV09fV0lCWlJVSEo1bzhYaWFZX1dBaVdGU253TC1FWElncnFKeVRtdGZITHU5SmV2U2ZwLXdDTnp5NzZxRmZGWGFwLWl1U01N?oc=5) · legacy.com
- 2021-06-25 [Arnold Haake Obituary (2003) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQNWJ6bjN5OTVoeGlhVWtxMjBGeExrUExVc0w2WnMzaGJ6bXJYUWMyeUNSSTk0U0RfM3drcXdhU2JpZ1pkUnNXZzA1Qnd3b25ENnBRRmhRWk1temZQUGoxcmtLUTZ1d2ZSMlpsR05HS2pMZWQwcHo0bm9hX2x4NUR3M2dPMkRPWlVVUFV5WXhB?oc=5) · legacy.com
- 2021-10-10 [Michael Bette Obituary (1958 - 2014) - Wichita, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPR2YzT3BsSzBSMVBGV3lrMk9WZWhCY0xkY1g0MEtYeTRqOVY0TDA3a3pqMHZRb3d3MW5JUDFhWXNEVGpCcEFhRlhIeDJLeXZJc0tyVVNPLVNmVEVlbFU5Q0lxLUg1NExsOFhiZEI2MDRtR0dYZGJhUHQtaEtqZW1VanlVRTBicElQV21J?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5510 (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/6.json (key "5510", 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=5510
- 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