# CHRISTIAN FINANCIAL
Sterling Height, MI · NCUA charter 63805 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/christian-financial-63805

Who the members are: state charter, organized 1967, low-income designated. 61,556 members of 10,140,000 potential (0.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.11B |
| Members | 61,556 (11.0% YoY) |
| Full-time staff | 189 |
| Net worth | $108.7M |
| Net worth ratio | 9.8% (p28 of band) |
| ROA (annualized) | 0.57% (p39 of band) |
| Total delinquency | 0.22% (p10 of band) |
| Net charge-offs (annualized) | 0.20% (p15 of band) |
| Loans / shares | 81% (p35 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 1.80% |
| Net interest margin | 2.99% (p27 of band) |
| Operating expense / assets | 3.64% (p73 of band) |
| Vehicles % of loans | 18% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 515% (p98 of band) |
| Vehicle delinquency | 0.24% (p14 of band) |
| Vehicle NCO | 0.28% (p8 of band) |
| Repossessed % of vehicle book | 0.11% (p63 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 158% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 31% |
| Average share balance | $5,767 |
| Participations bought / yr | $41.5M |
| Participations sold / yr | $26.1M |
| Participations outstanding | $136.9M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $24,084 |
| Loans granted, annualized | $201.8M |

## Participation posture (from the same filings)

Bought $41.5M and sold $26.1M in the latest annualized quarter; $136.9M outstanding purchased (125.9% of net worth), $34.8M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 21.5% 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 | 2 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 3 | net worth falling, delinquency 2x band |  |
| 2017-06 | 1 |  | net worth falling, delinquency 2x band |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | thin capital, net worth falling |  |
| 2022-06 | 1 |  | thin capital, net worth falling |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | members leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 2 |  |  |

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

- 2025-03-06 [Christian Financial Credit Union and Catholic Vantage Financial Approach Final Step to Merge - Detroit Regional Chamber](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOWV82N0xKT1E5TEFtN2ZXLTNscXZmbmduOGRER2VNclprNk9XY0N2dDh0LVZEcGFsaFczLWpsYTRCZHAtNUJmWTFkUkY2Qkk0SEFPemFma0RpbTlBd0NSSFRpdk14YlZ0S1pRLUxmZ0U5Tm1wcTEwZlpPU2dnUEkzR05ZYkZFbHRESVdBU1daYkVTdmNoc0JncHZDcWtRTHlFUndpUVRwQnVvZWtLUUstakhrWFYxY0t0R1dwYVo3VkZQUQ?oc=5) · Detroit Regional Chamber
- 2024-05-16 [Christian Financial Credit Union Launches State-of-the-Art Banking Website in Partnership With Symphonize - Yahoo Finance](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVThPUWxXOFdnMHZYUVZfc0FTV3BCX1IyZGRfWmxsRkdCaVJTd0VjWWwxdDROZ29DSU5ZTmsyMzNQQUFZaVJodGYtYXBmWTVxN1R5SExRTmkzd2tReWFQdGo5Z2g5WGFQbU5SVDZUd1MtZmdJVDlydHdSM2ZEakk5NUR2TnBBdHBPaE5vVUdwQUo?oc=5) · Yahoo Finance
- 2025-03-11 [Christian Financial Credit Union doles out funds to nonprofits - thenewsherald.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPeFNZaFdud2xFYjNWUlJ4ek51WVJwSERRcDhmc1VBYVZPMEk2enVJd1JIcXRGQVZic2syaW83QlBjMllTWUhTbkZVWm44amMwNFVjcVF6ZS0tSk4xbFM5WklrX1ZReXU4SVdqakZpOWIzTUs0YkdzX2hCOTRoRWpuRUZlU0ZyazBzOFk0cjlnVGR5YU1pWHNZYWNCVHl5c2xiR0hrUE5iNA?oc=5) · thenewsherald.com
- 2025-02-28 [Non profit organizations receive grants from Christian Financial Credit Union - Macomb Daily](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNdVpQZVBpQ1JWUmI2N2h2WDU4dkxtWDg1VHhvNGUyQ2tnNUpvMVlISTZqd1hvZWVSS0pOdFNWUUlYRlVqQzFKNllYTm9UdWQxalIzcUJicG91Yi1VTmxZb0t2TUYzNXV2LVlTN3V5VWdsR3g0a0tQMHlHc0w4eHZYQk9Sb213NHdpalJlZGtUT08xNk9ZNkZpWXBUQ1JEQ3dJY1ZZMWRSc3NXd2hIeEtuMzFkWDZvNDZP?oc=5) · Macomb Daily
- 2025-01-29 [Warren man accused of robbing Roseville bank with a child in the car - WXYZ Channel 7](https://news.google.com/rss/articles/CBMitgFBVV95cUxQc2o3eXdsUFFjOURCazVHSVQ0cXNrTUdJZnp1cmxXMjdkX1NiS0pRZHdsMkJpZ1VCcHV1cjFhSHdhMWJCTUcxaTI2cVZFRDM4aHRGOWd3U25LbnRicXJqLTVWdVdEaTRUWVZTUnNFUEk0N1lnZUNMT2t5Wk5VM1JxUHVBWGZiNlo0a3NuUGVuU0M0MFRuTHZ3M0c2TW9mSW1ESm5NOWtFcDFDOGV6SkZSZFo0RDJlQQ?oc=5) · WXYZ Channel 7
- 2023-09-15 [Largest Credit Unions in Metro Detroit - DBusiness Magazine](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQXBMOEo3eWl2TThOTW1MMzRvcFZKczZyejFEUWFhSVlYNGVSQkwzMmpvZ011QWdrVEtncG5ZbWZWTzh4Sl9DbWo1LWFGY3pNbm5SSGFyVlpqbkVpM2FtOFRiNzVMVFZnNGZ5YS1iWTJvajBvd21Hc1M0bjNXMUtrOVVxN0Jkclh5cnRUS0lR?oc=5) · DBusiness Magazine
- 2025-04-06 [Karl Poth Obituary - Clinton Township, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSGZTOTJmZTBoY1lFQ25VeUxRNkJJZEtQd2xGbTJ6ZlZQbVd0b195U2dpbHZLV3RXcUZpZ05ja0M1eDRXWklHWDNneTh0TFR3SC1EQzFXOGRBR0RXVm54Q0h3WlFtb3N0TkdtS0dPaUJYRUhXX044ZFljYzdJanpDUHYxUkM3dkdI?oc=5) · Dignity Memorial
- 2022-03-13 [Wilfred Janisse Obituary - Clinton Township, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMikAFBVV95cUxOWUFKcXk2b09Bdk1UMHJ6SDBiaVVlN3dkWGR4d1JNcFh1RENGZ3AwM1hIcjA3dDJHNmRzMnNQY0Vhdno1Nk85UnI0NkpPbmdRTHg4RWxGcmRVdDNxNjlrRl9rWk82ZFdidHVjdV9wQWlheEhjTDBPM25xUlA4d3p3ZXNPek1GSU5LUjhGYm1DeHg?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63805 (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/61.json (key "63805", 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=63805
- 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