# ST. ELIZABETH'S
CHICAGO, IL · NCUA charter 65232 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-elizabeth-s-65232

Who the members are: state charter, organized 1944, low-income designated. 187 members of 196 potential (95.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $116,449 |
| Members | 187 (-15.8% YoY) |
| Full-time staff | 0 |
| Net worth | $40,757 |
| Net worth ratio | 35.0% (p98 of band) |
| ROA (annualized) | -5.48% (p1 of band) |
| Total delinquency | 91.08% (p100 of band) |
| Net charge-offs (annualized) | 7.23% (p99 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 52.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.92% (p92 of band) |
| Operating expense / assets | 8.09% (p98 of band) |
| Vehicles % of loans | 75% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 100.00% (p100 of band) |
| Vehicle NCO | 9.69% (p100 of band) |
| Repossessed % of vehicle book | 11.06% (p100 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $311 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $3,532 |
| Loans granted, annualized | $14,400 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | expense trap, auto monoline |  |
| 2016-12 | 3 | losing money | auto monoline |
| 2017-03 | 6 | charge-offs p90, assets shrinking, loan book shrinking, auto monoline | expense trap |
| 2017-06 | 8 | margin squeeze, members leaving |  |
| 2017-09 | 8 | delinquency rising, repo signal | charge-offs p90, assets shrinking |
| 2017-12 | 11 | expense trap, charge-offs p90, assets shrinking |  |

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2023-11-29 [HSHS St. Elizabeth’s Foundation honors Catherine Taylor Yank; gala raises over $130,000 - Illinois Business Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUXJQYjlnNFlLTnNEMXdTcXUyRGZlbF9LcGM5ZmVwVTBtSHoxeUNLd0ZMUm5xMm9oUVlLWjVJNnIxcDNFV1VNcnFPU2hXZmZlWl9Tb2ZPMGRxdXFoZEZXVTY4QTJHMkZBWEZZRWFjSzlXeks2MXdPZ2lRYXNRbm5OUkExUGM2a3A0NUM4RmtoV3pjc0xSVldCamdjc3BaZWxGSEdrdmk2UjRYdw?oc=5) · Illinois Business Journal
- 2026-02-14 [Bryan John Willard Obituary - Napa, CA (1951-2026) - The Mercury News](https://news.google.com/rss/articles/CBMidEFVX3lxTE5tU0VLNVFRSksxRXQwYkpidUdhZ0hQNUpqLW03YlJlUE16cUdubkl2cU5MZk1YaDlqaUNEYmtCSngtczlVMngwRWtJdTlXaEw5LUxZUFpXc25YVVRycnV3YUpjU3ZjYkx4MDZfbjFXZGlqUUR1?oc=5) · The Mercury News
- 2023-08-08 [American Cancer Society's Farm to Table event planned to help save lives - Alton Telegraph](https://news.google.com/rss/articles/CBMipgFBVV95cUxOcDc2S3BqaFI3WklVdU0tNzlwT292SVRSdEM0ZHhBSVk3WHBUTDUwaHA1RWtuVEQ5MUt5Y2xlZzdHbWxtdTVoNHJHbl9WR0hTc1d4VEVUdmpfelRvLV9VcUg3d290QmVQLTZDdEZSQUk4OGNncWMxSjRYNDNBaVVxMUhuZzF0TkliYUxoZ2VzQm11MFRWUzRGSnNDd3JkRi1FbXFJQmNB?oc=5) · Alton Telegraph
- 2026-07-13 [ImpactLife Announces Community Blood Drives Across Illinois for First Week of August - RiverBender.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNMXRkZjRVY3BocE1PVUZyNWZmd1lQMWRtc2hiVnQzUS1VT3o1UDFXU3Y4RmRUMDFmYUdmZEdVOUNmMFRlZlZVQnhndXFTNGFUODhLTmtNM1RwUVo1eDl2LVZLdmpCM2FjcWswa0N2bnVla2dTNGxPMnIxNEtKNzBQMk0zNFBNbUlzWWhKZktJUjl2LUdPb1JpaGZoT25hRmFDeC0tZzlYUUw5T3o2UndNbmk3bE9CTzBoMmJqVkE3UzgwTEo2N29OTkY1MlhzcThw?oc=5) · RiverBender.com
- 2023-05-08 [O’Fallon Around Town - May 11 edition - Belleville News-Democrat](https://news.google.com/rss/articles/CBMihgFBVV95cUxQMU1PTVdMdUVJZVhtR3BuOFI1b1phcTh2YlBucU9WbTdfVXVJRUFnVENkeXJNbnVHR0FjWl9IZ3Y5XzBUb0xaS2FyMTR6WHNINHMxNm01LUNPWU1OSXF2SXk3VHlnbTE3OW5HZzY0ZWNoNm40T1d6VnV2c19NN0hTSTkxbE5oUdIBhgFBVV95cUxPZFFmbjZQWUtnYjZpNzl3OWl0dDVMdXRFeURSNUh6NjIyV0hOUmtRRS1rbmQ5aWpmdERZcUhuOVlaVE1zWEJFbFVnZzFKNDFJU3N4YjFIYllyLW5YSTBzZHVGZnp1d093Z293QUdJNEE5S01udG0tSzlIelRNb2xLQUp1LXlzQQ?oc=5) · Belleville News-Democrat
- 2022-06-21 [Joan Hick Obituary (1932 - 2022) - Belleville, IL - Belleville News-Democrat - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQU2NSd3I3dkVaWkhqV3VoeVN5OFpmWENWbl9ZTlpCVXBOSmVUUjFEWUhEeWpsRkFIN04xNUxXRkVncUlIUmNKRkp1eHNtcGxicFZkSkNubG11YlRfZWVqZzF6TnJWSXhmTGRvcThOMV81Qnl2YldwVE5kWVBpT1JsVDdZV3FvM1NoWkVF?oc=5) · legacy.com
- 2025-05-18 [April Deatherage Obituary (1948 - 2025) - Maryville, IL - Belleville News-Democrat - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxObUZTeWdkMFp1VU1kdkFUdE5ZLVAxY0xaUzBoSTdlY3JXcUprRmRteE9qNy02bkprdlVXdl9tdm8zZWdpUmg1U05iVmFUVU5TeEZVWlNUNTRBWmEtN1ZUQmFmRkU3QzkzTW80MXdkcHpxUkFSUGo3NmxvUVZsYkxTWjItdHVaUFJ2REJ5dXJwOUFFSm1L?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65232 (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/16.json (key "65232", 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=65232
- 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