# HOLY ROSARY
Rochester, NH · NCUA charter 65088 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/holy-rosary-65088

Who the members are: state charter, organized 1962. 25,316 members of 40,000 potential (63.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $502.3M |
| Members | 25,316 (0.9% YoY) |
| Full-time staff | 82 |
| Net worth | $45.9M |
| Net worth ratio | 9.1% (p23 of band) |
| ROA (annualized) | 0.96% (p71 of band) |
| Total delinquency | 0.16% (p7 of band) |
| Net charge-offs (annualized) | 0.22% (p25 of band) |
| Loans / shares | 70% (p22 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p35 of band) |
| Operating expense / assets | 3.23% (p30 of band) |
| Vehicles % of loans | 22% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 109% (p52 of band) |
| Vehicle delinquency | 0.16% (p8 of band) |
| Vehicle NCO | 0.73% (p43 of band) |
| Repossessed % of vehicle book | 0.10% (p65 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 44% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 37% |
| Average share balance | $7,530 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.4M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $27,232 |
| Loans granted, annualized | $111.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $9.4M outstanding purchased (20.4% of net worth), $145,272 sold and retained. Sold in 3 and bought in 6 of the last 8 quarters. Shares 10.1% 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 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | thin capital |
| 2017-03 | 2 | thin capital |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | thin capital |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | net worth falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | margin squeeze | 3rd-party paper>100% NW |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2021-12 | 3 | net worth falling | delinquency rising |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | thin capital |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 4 | thin capital, net worth falling |  |
| 2025-06 | 2 |  | thin capital, net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-07-21 [HRCU Names Next CEO - Business NH Magazine](https://news.google.com/rss/articles/CBMib0FVX3lxTFBlWlB3QUFza0Q4Y0JabEJmRFRhOHg0OUpJeDZEQ3JJRlItUHNPZWFBSEhQUnRSOGNmNlB6enNwSzJtaElPMWowTzhqSVhsOGZmZVNyQzBybE1HaGpNbDJCTzNuR3dvWl8wZmtIdEgwdw?oc=5) · Business NH Magazine
- 2026-03-11 [HRCU announces the planned retirement of President and CEO Brian Hughes after 22 years of leadership - CUInsight](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNV01IekhjaEVJOGtQZVZqRXY5RWJpZ29SRlJGdEFVZjgzOFdISnJjRXI2ZEIydTJMM3NCU09BTmszTVoyUERmY0loZ2pxU0ZfTjA4NVVYNDNNZ20wVmdjNlMtLTFvQi1sY3pkM1FQUVNMTmhhNGExclFHbUU2dTB6LTFjdWlQaE1IaDFTQ3dKb3VVcC00LTY5eHBJWEtscE9ROEJvOHJaTUU5VXdXQ1B1ZzFPQ0VhLVMzcGVDMkJoN0pUT3BjQ0ptQTRmc0p0Rmt6YzR3VktMdHI?oc=5) · CUInsight
- 2026-03-25 [Brian Hughes to retire as Holy Rosary Credit Union president - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMizAFBVV95cUxNeUJ5aW52ZlZocU53NFFsLWw3X1NwNGh1c0ptZmsxQjYwellaM0hOYTJibmhxTGxSNXEyYnZobjR4aFlrSHJEdUI0aU83X1VjZjZLenY5NkdFM0J5Y0Y3NHJGYlVMazRGMW9VWlFGWEdqRFZpWHQ0SnpDU1ZtUkg2RjNwMjJEcG5yX3NZZThoU2s3RmZSaXE0cTdOUTBsamFGVlZJTHdRbWVRRFE0Qm1Kb2Y5MXQ4VFBzSlI0eDZCQUNwMjBjTFZiSldnem8?oc=5) · Foster's Daily Democrat
- 2026-01-21 [The Best Savings Accounts in New Hampshire for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE12bFBBMFpIWWdfak1XRWNab0VnVFNxUS1PZWQxRm4yTHdYaWxUVmZUbm9WTFBzdUVmTjVhSlhwbXV2VGozQWV3THBObnVtS1F5a24zQjg3bGhodVd4ZDBXSGk4MHAwaHJ3U3J6Qzg5cV9PMncxWDVtYnFmZU85T1E?oc=5) · moneyrates.com
- 2026-01-22 [HRCU President & CEO Brian Hughes honored with 2025 Make-A-Wish® New Hampshire Legends in Time Hall of Fame induction - CUInsight](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNU3JyNGtLUS11cHNkRG5ySF9KOGRtSFhuUmxLT1BhcjRSd0h0WnNtdFRHX08yUVNrWDUzT01HZFViXzdJN0JXWm9sNGhwbUg4LVA0U29pMkVQd180Z3hQWjd4c1BGWkFGZzNpbkZqRElTMEYzZzJCNk9NTGwzVGNjcjdwUmh3Mm5sLUZwTjFwVjFGX0Z3a0pYa3kzYXo4ZVRSTU54OGJkRGsyN1gyQ1QzMkJkUUkzb25pMTh6ZUMwVGNqeVNyNVlWUkZvZUpMT3lncTd0dnJGQ3Y3a250eTM5UUxyZ1ZiM2ZxRmJn?oc=5) · CUInsight
- 2025-02-18 [Scholarship opportunities and casino night: Education news - Seacoastonline.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOb2V5bG4zYkdLZzZXaldDbDU2dG9CUXRERTFTdmxZQ2s5d19pSTRfMl9UMC0taktiWkZSa0xOVzVSMmRaVU82b1NuWUVjNXM1R0I5MWt6ZzVJallwSVRSVjFIcjRBSmVtSTJOSGhuTlZOd3YtWUNsMUlOdVNTZ0s3azcyWjNjdnFkbWRvQVJBYTZtQTdxcUx0SmpzZFNUcUFEOHUwdnBjcW5ZLUdSWk5UU1ZZMjJCZEFkaUFQcFZWTjFzVzJEbUU3aA?oc=5) · Seacoastonline.com
- 2024-12-17 [NH governor purchases first 2025 Make-A-Wish calendar - Seacoastonline.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNbndCeFVma3J5elRYaHJSRVpzV2liby0wZHVOZjdDdXdQQUtIcmtfNExmYXVsVUNTUXRJUGRPMXpIWUgzSHdiNU5QVTJxSUROakdycm0yV1JXUjVOQWNHU3BNTUQ2Uno4Z1BRSGFVcHJjcG53UkEzLVlFTTV6VkphM2JWUHpKbkNJak44Z0pGSURMcmw3emJ0d1NGSlpveHp4OC1GVlpVVWtWTldEbzlJX0hLTXFtM2UwVUw0?oc=5) · Seacoastonline.com
- 2024-12-16 [HRCU officially opens new Greenland, NH branch - CUInsight](https://news.google.com/rss/articles/CBMijwFBVV95cUxNRzFwWHY3bFB4LVFuTEtLeWQ5VkZCcmdJYVZtMTVJMWlkNFVxNEdyVzdTZHRxcHZIaGl2QTJGZm43VHd5aV9IaTJDdWdRRjl0aXd3alRlMS0wRmxxenB4djJ2blZXS2tEb1JldnQ2MmcyMDltdnhYbTlMTml1T2x3RThYRm5tWmNEV2V5YTE4MA?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65088 (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/0.json (key "65088", 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=65088
- 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