# ST. JUDE
CHICAGO, IL · NCUA charter 65484 · asset band <$50M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-jude-65484

Who the members are: state charter, organized 1958. 72 members of 150 potential (48.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 4.

**Verdict on the desk:** this could be *quiet fade*. 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 | $297,112 |
| Members | 72 (-27.3% YoY) |
| Full-time staff | 0 |
| Net worth | $102,306 |
| Net worth ratio | 34.4% (p95 of band) |
| ROA (annualized) | 7.55% (p100 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -28.82% (p0 of band) |
| Loans / shares | 3% (p1 of band) |
| Cash / assets | 97.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.07% (p5 of band) |
| Operating expense / assets | 3.42% (p44 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,050 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 4% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $2,081 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 2 | auto monoline |  |
| 2017-03 | 5 | losing money, assets shrinking, members leaving |  |
| 2017-06 | 4 |  | losing money |
| 2017-09 | 5 | net worth falling, delinquency rising, loan book shrinking | auto monoline, assets shrinking |
| 2017-12 | 4 | assets shrinking | members leaving, net worth falling |
| 2018-03 | 3 | losing money, auto monoline | delinquency rising, loan book shrinking, assets shrinking |
| 2018-06 | 4 | net worth falling, members leaving | losing money |
| 2018-09 | 4 | charge-offs p90 | delinquency 2x band |
| 2018-12 | 3 | delinquency 2x band | auto monoline, net worth falling |
| 2019-03 | 5 | losing money, loan book shrinking |  |
| 2019-06 | 5 | net worth falling | losing money |
| 2019-09 | 4 | delinquency rising | members leaving, loan book shrinking |
| 2019-12 | 5 | losing money, assets shrinking, auto monoline | delinquency 2x band, delinquency rising |
| 2020-03 | 4 | members leaving | charge-offs p90, net worth falling |
| 2020-06 | 4 | loan book shrinking | losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 6 | net worth falling, margin squeeze |  |
| 2021-03 | 8 | losing money, delinquency 2x band, delinquency rising | assets shrinking |
| 2021-06 | 7 |  | losing money |
| 2021-09 | 6 |  | net worth falling |
| 2021-12 | 6 |  |  |
| 2022-03 | 5 |  | members leaving |
| 2022-06 | 4 | members leaving | margin squeeze, delinquency rising |
| 2022-09 | 4 | charge-offs p90 | auto monoline |
| 2022-12 | 5 | assets shrinking |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 6 | delinquency rising |  |
| 2023-12 | 5 | net worth falling | members leaving, charge-offs p90 |
| 2024-03 | 6 | losing money, margin squeeze | net worth falling |
| 2024-06 | 4 |  | losing money, margin squeeze |
| 2024-09 | 3 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | members leaving | charge-offs p90 |
| 2025-06 | 4 | margin squeeze |  |
| 2025-09 | 3 |  | assets shrinking |
| 2025-12 | 3 |  |  |

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

- 2025-12-19 [Michael R. Schroers Obituary Mar 27, 2015 - Mason Funeral Homes | Metamora, IL](https://news.google.com/rss/articles/CBMibkFVX3lxTE5zc3JPNFhydlIwVVBpSkxiWVhwTGNSQkpNSV9wbF9fWVlkSGNFdllDdTQ0OThFUndJcER0R2o0RS1QbGdLbkd5WEkxd2JfYjU2RGRXaTk4OUJpVE9RcmZTcWFhVEVYRkFuUHRWWV9R?oc=5) · Mason Funeral Homes | Metamora, IL
- 2025-11-20 [Arizona real estate investor launches $150K fundraiser to help St. Jude - AZ Family](https://news.google.com/rss/articles/CBMipAFBVV95cUxNblRORHkzY1lVcWp6eE56TDkyNWpNeDNVUGJhUlFIeDlWZzktMkR6VEE2Mmc5VHJCd25SUU1OT3d2cWhKQmxpWGp4TDVBMG5HTlI2djhQdDdnMzNDY3V4WHZyR2tqX01BbWRFWDFWem5NVnpVRGFHSFRhMU9IZ3RvSG1zeDFRWVp4bU1ibHBiYk9BQXJ4d3dRZ3QtYnE3eFZsdk1WT9IBuAFBVV95cUxORDZpSFo3cm9ZVDY0cjVSUndiV25Yc1l2cGREQjFUcXJxTHJYVmNWd3JoTmRaN1cxazdITTE0cXc4RVJMOWhubHZ5bHJWRTVpWm9MXzV6V0g5ZXVNalNNWFpHNkpZN0JoOFFxMEZoMHdGSjVJOVppWm90TE0zZ0NPcEp3Y2xlTGx4QzFrVE1Ib0tnZGxFWHRoVnhub3FqdDdHWGI1dEM1QUVGTkNnbFVlOFhsc0N4Z2xo?oc=5) · AZ Family
- 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes
- 2026-01-29 [Gloria Shields Obituary (1940 - 2026) - Mount Zion, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNaTA5Q20xYmxkSWtLYzNoVDhXcEcxOXVEUXZsak82dkwtVjh4bGhmcVpOMktkS0V3U1Z3NmItMjVEN0xReHhyZHdGV0pwNGxTSDdaX3hXako3M0o1cF95Y2dFWkRzdmQyZ0hGOGdOUzJmbURaajlaTF9yR1J0WFJWME1VOUhwSDVJR19JZ1JPN1pDQWJsOXc?oc=5) · legacy.com
- 2025-03-20 [Land of Lincoln Credit Union promotes Heidi Schlabach to AVP of Consumer Lending - CUInsight](https://news.google.com/rss/articles/CBMivgFBVV95cUxOd2RKaEdmOC12cDJ4eVRORXlaYi1nSUM0Q0xwM3pPMlVsQWtWaWRleDB1aWJLVXJtT0x3NDR0UU1vaGRFZFhtYXdlYUZ0NjFmSHdZWk55dW9SdlQybHlFVnRueWJCcXZVT2xzaGx6MVZVMXkwZmVzR1VKek1zUjh6Uk5jWkNUbUlzdWZ3YU9CZ05qRkNXOXh5NXhEdk1vUUdTaU9vclluNmxlakl0SW1YS25mQWxkdUFTSFNEZ0JR?oc=5) · CUInsight
- 2020-07-25 [James D. Allen Obituary July 25, 2020 - Kurtz Memorial Chapel](https://news.google.com/rss/articles/CBMibEFVX3lxTE5vMmQzT0lzTEUzQ1I2MW1RZzE5VFIweEZVNTl5UjE0Y0N2V0Q1M2tLME8yT1Z3N1lFZnFfLTJLTTRBTFRSaFdXTjdFZGVDUWlqTGh5bzFkeUZmdTdGLUxFbngyRDNvRnYzdldlSQ?oc=5) · Kurtz Memorial Chapel
- 2019-06-08 [Country star Darius Rucker surpasses $2M raised for St. Jude Children’s Hospital - WFLA](https://news.google.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?oc=5) · WFLA
- 2023-07-05 [Edward Hamilton Sibbald (Celebration of Life) - griceconnect.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBhSkMwaEdmMnlUTlhwTUJhS0U2ZFhXSE5fbVFmSDJXeFBncFhyeWNEQnVhUDNOTl9PM3hfcGxkX19kaU16b1ZNV2NJTXVZcURSN2xWcXZYanY2TFdKckNqNWtqMlc2cm1wWHFlS3JTNWxrTl9GVVByMXR3Z9IBgAFBVV95cUxNcUNNWldmeDNla2FGRnd4bmZtNFk5am05UVBjSk0zNVA3WFVUYktqWlV0N0Y3UFdjQkd0c1l6UWtlZzdfeGFKb1F5VXdfSkd3bnZVUk1rTXNVU3pyVFJ1UGpoVHoxYWNkX09MVWpVdm5JU25mZlFqRjBDVGtrZVQybA?oc=5) · griceconnect.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65484 (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/12.json (key "65484", 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=65484
- 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