# THE CATHOLIC
AVON LAKE, OH · NCUA charter 63177 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-catholic-63177

Who the members are: state charter, organized 1956. 1,253 members of 5,000 potential (25.1% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *auto monoline*. 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 | $11.1M |
| Members | 1,253 (-25.4% YoY) |
| Full-time staff | 2 |
| Net worth | $1.5M |
| Net worth ratio | 13.1% (p38 of band) |
| ROA (annualized) | 0.47% (p45 of band) |
| Total delinquency | 0.18% (p30 of band) |
| Net charge-offs (annualized) | 0.13% (p60 of band) |
| Loans / shares | 55% (p47 of band) |
| Cash / assets | 23.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p37 of band) |
| Operating expense / assets | 3.44% (p44 of band) |
| Vehicles % of loans | 66% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.20% (p40 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 30% |
| Average share balance | $4,982 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $9,309 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## 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 | delinquency rising, members leaving |  |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | charge-offs p90 | delinquency rising |
| 2018-06 | 1 | delinquency rising | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | assets shrinking | delinquency rising |
| 2019-03 | 3 | delinquency rising, members leaving |  |
| 2019-06 | 2 | auto monoline | delinquency rising, members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | assets shrinking, delinquency rising |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | members leaving |  |
| 2021-12 | 3 | net worth falling | auto monoline |
| 2022-03 | 1 |  | margin squeeze, net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | net worth falling | members leaving |
| 2022-12 | 1 | members leaving | net worth falling |
| 2023-03 | 2 | assets shrinking, auto monoline | members leaving |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | members leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | delinquency rising | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | members leaving |  |

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

- 2025-12-29 [Artist’s ‘Magnificat’ has brought joy, hope to Jubilee pilgrims in Diocese of St. Cloud - OSV News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQlpISU5kZHhjWVZLclExZXotM0drMHYwdTdwTEh0SzViZWs0TmVkYUc2NWxrOFFBU0xqT1IwenBPVlBsUkc4YlZISnVZWjJnN3NnOVJHd2JjeGhJU3BWZXVLOFVnNFFCeS1MdjEyMnNmN1VDaFc4ZG5saGlPYzhLZmhqWlF2NHZRLTgwdVpyRFh5QUVNMjczdk85dGtxLTQ2R083cHpudDhKclE?oc=5) · OSV News
- 2024-12-13 [Ohio Catholic Federal Credit Union Changes Name to OC Federal Credit Union - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxNXzUyc1VsNXU5TEZPOHpKc290V2ZRem82UkdEcXdQQ3lvUXY1WEJabkVmNnBNdlRaQWRkb01lWkZhZk45dnp4aHktWWwxZ3doeXJ1Sy02LU0zWk16YWhmUElVdWd3d0dHQlZMWndvYUZ2a0FvQld0ZzlHWjlWdDJEdjhyT2JoY3pHVDNaRnhHN0JHNHd2dHJTd1dpYlo1UmJIM2Z3UEF3dktzRnJwLTA3dzF5TGZsOFBDc0stWkRleWpJQ0RhbHRrYWVB?oc=5) · PR Newswire
- 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
- 2018-10-30 [Church-run credit unions keep the faith despite challenges - religionnews.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPSzMzdlVJdWtlZ19LZjdVaGR4NWdGY3BmTE91eEpPY1prNFlVRW0tbXBsbFRsVFRneGpjdHRWTWl5UG90VGJlckZJUUx4SlFueXZSQTFleWNkRk10QWNJblZaN2tGZVpsMVp6U3BQS3dJWDhjT1ZtUDBXODJETWt1YW5pR0FoVElHQTlfcDMtN0xjUGEwU01WNDI2cw?oc=5) · religionnews.com
- 2025-08-19 [Patrick J. Mcgrady Obituary Aug 19, 2025 - Walker Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibkFVX3lxTFBuNHdmcmx0V25QU2NXOW15MVJfeHZJajlJRFhKdnFXY1diUzEtTWEyYlZxSlpkZ0tSY1liWEdxYko1VGN6cTd6ZG9iVkNpTkZEaVBSVTRVajA1c2ZSQ3U0Z3U4RnJRSGh2VzlKVXhR?oc=5) · Walker Funeral Homes &amp; Crematory
- 2017-09-18 [The Best Credit Unions to Work For - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdUU3RUxRM2dmV3l6MzBZM0ZhV2I0NkdFOTN5RWYtV2ZzWERkbHNDZTYzV3ZSa01GZl9jc01QVVl6WEUyMHlHUXdpSmJyQnZaV0k5T1JfN21FRFhFcl84akJ6Z1lPNGFaUXlaUGRpb1AxUy03NUF5a1RuT0tPOXlmQVliYkIxSmJJWVdTZnY0cnlsNm5Ra0V1Qg?oc=5) · American Banker
- 2014-11-23 [I Was Wrong About Catholic Co-ops - americamagazine.org](https://news.google.com/rss/articles/CBMikgFBVV95cUxNaS1pZUhUMGNTNmFVOE5iLWVWRjUydElBam16Yi1CUmUtOUJDc3ZCM0pUWnBwQTZUZW9tb3BkOHloTlpvazcxLUtDNi1yTVdJYkFaa0xrQlBjcE9maVRoQ2tub3llT0x6MGx2Q3RDQ1ItTF9JUmt6bkhfcEJIX2Q1b01FSGR3NXNoSFR0dkY5cUpFUQ?oc=5) · americamagazine.org
- 2026-02-23 [Economic dignity is the through line of Black history (Guest Opinion by Neekia McCoy & Kristin Thompson Henry) - Syracuse.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQRVg4dUp0LVZlXzZNLWtVVm0wdVRlT0tocnV0eklEM1lmbnc3VWxpVG1yNF82S1lORU1zLU82X0dLOWlPWUhUZUFPUXR2Y19HS25ZR2UxcnVwclpuVGR3YUhWbm0tQ2d2NU9zc2s3eTZvTnlwWEdBT2VfYkRNU1lkdTNsRld2MThXYzFCU19fSnF4dmJJSTNVNlZuTHVfU0I2MDRMVm1PSnNSWmUtWmMwOGZMU2pZMlpPMms1NUhJX2k4b0xxUFFmRWlRWFJOcEF4LXhmcVlEeUtGeEpDdkpLWld4dEpHLVE?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63177 (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/9.json (key "63177", 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=63177
- 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