# ALLIANCE CATHOLIC
Farmington Hill, MI · NCUA charter 61759 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alliance-catholic-61759

Who the members are: state charter, organized 1956, low-income designated. 32,701 members of 2,032,411 potential (1.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $707.4M |
| Members | 32,701 (0.3% YoY) |
| Full-time staff | 147 |
| Net worth | $88.4M |
| Net worth ratio | 12.5% (p78 of band) |
| ROA (annualized) | 1.66% (p94 of band) |
| Total delinquency | 0.31% (p25 of band) |
| Net charge-offs (annualized) | 0.26% (p28 of band) |
| Loans / shares | 72% (p26 of band) |
| Cash / assets | 8.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p58 of band) |
| Operating expense / assets | 4.13% (p77 of band) |
| Vehicles % of loans | 18% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 209% (p75 of band) |
| Vehicle delinquency | 0.11% (p4 of band) |
| Vehicle NCO | 0.28% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 162% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 25% |
| Average share balance | $9,117 |
| Participations bought / yr | $66.4M |
| Participations sold / yr | $5.8M |
| Participations outstanding | $137.0M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $27,350 |
| Loans granted, annualized | $215.9M |

## Participation posture (from the same filings)

Bought $66.4M and sold $5.8M in the latest annualized quarter; $137.0M outstanding purchased (155.0% of net worth), $35.4M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 10.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band |  |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | net worth falling, losing money |  |
| 2023-06 | 3 | delinquency rising | net worth falling |
| 2023-09 | 1 |  | losing money, delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2022-11-29 [Alliance Catholic Credit Union moves from Melvindale to Allen Park - thenewsherald.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQOWMzS3ZYUjVpU2szXzQxWVdER2xGTmk0T1Jaenk2cHBwYURIamJmRW44dkQxVEhYYmpxaFpGNmpieUJrdHNwMkhWd3EwMzZNajdOY3ZPYlRNMHE5TlZCa2FWQUFpOVJ4U2NfS2dYSmdpWV9Ub1FPb2l5TGZQN1Y0dGVFX2phMEVEVWQxd0JZUkFWanRpLUcxRUNqYXZKRkJGZTFDYWc4NVUwNHF5?oc=5) · thenewsherald.com
- 2021-06-29 [Siena Heights University offering discounted tuition for Alliance Catholic Credit Union employees - MLive.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPdGpOY0VWbjZLSzJMRXJRR2lkaE12NVNXS0hXVElFRzZZNnpuTTdtaUJpRnM4NGlKdi1jQjNFdkpfWUJOQV9fYXF1S1N3dUJfd1RKTUpScy1VTldsTzNybzU1NWdiSkdMQ0tWMEg3WEc2R1lLVzlRaEtSMmlPZ09QS0dxR1NNVjRUVEFFcnIwSC01ZmNxTTZmMUNlRDNEZTJHTk8xMDlxbnU1YU1qYnZKUHpqMTQtMHAxTUxNVWU4MFVRR3hYcTRkYTI4NXVaTlAtanR2TDh4MkZFRXNOMzNfSdIB9AFBVV95cUxPMkEwUl82UVp1ZmR6V2lrczFnS2VxX3RzamVBRWZnaWZEMTY5Q2RES1QtWGtjZEVjME40VHV4TW9ZQ1Z6aDZnRDlLakpUTlpxX0dfYVpFRWpyQ1pIc3gxc0FFSURGMjZVa1NJY3hlTE9feTIxYi1IbTBaeDFKcWZ5NEZJdTZtdEkxSWluZ1FIU0lkWnpvTFdMRVo3cFFxNF9wRW94Q21sa1VPTm83dU5jT0hLS3ZBTDBRd284alJtMnpxalhQQVVEX2E0eG1QdkZ5VkM4NGtINUdaeFM1S1N5ZFBGcnNPMmZ6V2lrYzFhb3VzWmpt?oc=5) · MLive.com
- 2026-02-16 [Sold-out Dinner for Life highlights work of Eastpointe crisis pregnancy center - Detroit Catholic](https://news.google.com/rss/articles/CBMitgFBVV95cUxQMlFNM1FxdkxEOXctYkN2T21UdnRuOUVKdlFQWlVQTm9VV0xBbDhsczNRSWpYMGVvS2J3V2Rqa3REU0FYY0NWX3E5ZzA3ekxhaUFMM00wRlpXMHh6YXExVmV1Q0htTmJJM0YtZTlVWTJhN0VZa0dqRVBlZFBxUVFjWk5pcnNCVUlaajlkMUd3VkI3VEdSVDV0dDNvSU9ReDBCa3RqV3pGT3JZWVVwUmR2RnlZUDJ4QQ?oc=5) · Detroit Catholic
- 2016-12-27 [Police arrest suspect in Taylor credit union robbery - Detroit Free Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxQTXZJTU4zYThtQjBrZE9mamYwbVFxNkV2R3phZ0tmdENxcWdQUHpXck5GM0lra2plREZUcEtzcTEtT0lLV0xUOFgwZ3VhX0oxZFVEdEx2ZjNBcktZWndUcmZMYWR1cW5YZHVOU2xiZVgwNmpGLVNVUUhIVHJtZTRWUWdJMDJQemtMbVIzNnYwZ3h5eTlsWUszaTJpR3hObERYQ0NFZlJXVFZNaHBRYXc?oc=5) · Detroit Free Press
- 2023-02-18 [MSU student Alexandria Verner 'saw something greater in mankind,' pastor says at funeral - The Detroit News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQS09fUWlrTmxnMkJSOHZPcHU2T1ZyZXEyRENtTmpLV250Tm14WVg2dTEyTHM1RVpiLTJmTEhpcUZFRHY3a0hYaDNiV0Fuc1BVX0cybWpGY3ZSTmQ5YVhQX09vZlFfNmVLR0xibEV0aW52bXptc2FZRVJMeDJzU2ZBa0lXbVN4MjRvclR6MTZ4SHVRb19UdWE2SDF6UnBVVVdGVGlQTXJBMU1mOHFNYUl1RkVWY2U3RnZfY0xHSXNqWGd4UmktTWxhZGZtU0dBaTBoLUZJVVQtbG8?oc=5) · The Detroit News
- 2013-07-18 [Obituary information for Celeste Mary Southard - A.J. Desmond & Sons Funeral Directors](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOeVF5Q2kza2t5Z29KUDZoTjAwV1BNS3EtcWZuQTVtQVVPQmJ4UzIzSjd6R2w0Wl80c3VDVU5jdmFSa1c2UjcwdlZfUU5wUmJnOV9WTE9aWDg4YklPNEJBaXRfQ3Fpd1pabXNnZVRkQjJhMGZ2cjFmOHE3Z1k0eC1ib2ZhaHNiMThJ?oc=5) · A.J. Desmond & Sons Funeral Directors
- 2018-08-28 [Man steals 15 guns, robs 5 banks in Oakland Co. - WXYZ Channel 7](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZDZNZTZvZkk3YVRlck9WZHVlSG0zQVFQZ0JHRWJPalpBUjVrazNEcTFfbzFrU0ZEWTB3RW9CdVBOaDlUUmFGNnVSOENiSEkxWGktekZkVTNsM0t5RFMxM2pKWk43UFcwVFRDcDRGa3lNN0FsWTBHVGlTNzZEb0Vmbk1rVG9zZ2VucUNhV1VlNW1rR2FWUmVkc0hkdmwzUFZ2OGFFUXhSVXh3UQ?oc=5) · WXYZ Channel 7
- 2024-06-20 [CHSL director Vic Michaels inducted a ‘Legend’ at Hall of Fame ceremonies - Detroit Catholic](https://news.google.com/rss/articles/CBMirAFBVV95cUxPZ0NVN05MRjkxY3k0UkJIX0dNRk5HV1JkMDQ5TWNEdFdGREgwbjEtQlZFa1RMczRCb001bl8tTXdGZWVmcGViM0o2Y2t0a0FicGhNcGU2ZlZfUVdWX1VUd1FMSGdrWC1CbmhGcFNkbFFtbWhULVJtMTZlSGFGbGIyWFMweFBjM096dUR4N1k2QkVXRFNnQ0Zwc0djQndiTTdPUW5kdHV5cjFCNWZJ?oc=5) · Detroit Catholic

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61759 (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/63.json (key "61759", 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=61759
- 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