# HOLY FAMILY MEMORIAL
Manitowoc, WI · NCUA charter 66476 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/holy-family-memorial-66476

Who the members are: state charter, organized 1961. 1,301 members of 25,865 potential (5.0% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *too clean*. 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 | $19.2M |
| Members | 1,301 (-2.2% YoY) |
| Full-time staff | 5 |
| Net worth | $2.1M |
| Net worth ratio | 11.1% (p24 of band) |
| ROA (annualized) | -0.14% (p21 of band) |
| Total delinquency | 0.08% (p24 of band) |
| Net charge-offs (annualized) | 0.01% (p51 of band) |
| Loans / shares | 63% (p57 of band) |
| Cash / assets | 36.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p22 of band) |
| Operating expense / assets | 3.45% (p45 of band) |
| Vehicles % of loans | 36% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 21% (p92 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 16% |
| Average share balance | $5,895 |
| Participations bought / yr | $3.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $19,631 |
| Loans granted, annualized | $3.4M |

## Participation posture (from the same filings)

Bought $3.0M and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (56.9% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 6.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | delinquency rising, members leaving |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | assets shrinking |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 0 |  | assets shrinking, delinquency rising |
| 2019-12 | 2 | delinquency rising, members leaving |  |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | members leaving |  |
| 2020-12 | 2 | margin squeeze | delinquency rising, members leaving |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | net worth falling, margin squeeze |
| 2021-12 | 2 | delinquency rising, members leaving |  |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 2 | assets shrinking | delinquency rising |
| 2023-03 | 2 | delinquency rising | assets shrinking |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | net worth falling, delinquency rising | assets shrinking |
| 2024-09 | 1 |  | net worth falling, delinquency rising |
| 2024-12 | 2 | loan book shrinking |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | delinquency rising | loan book shrinking |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 3 | net worth falling, losing money, delinquency rising |  |

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

- 2021-02-05 [Manitowoc biz update: Holy Family Memorial goes red for Heart Month - Herald Times Reporter](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOT242NjBERVZYUTdEUUdabjJab3YxbXBfbHhuVm1kQzlwV3pnOUFoTFU3S2hVeVFOd2JhM3JWRWZEaGhXNVVoQktkYkJBRU84dlUtTTRZTm9NT1VyZ0Ruc19OaUZMTVA3MHN4STRsdzVLaVd0elBrblktMFRpMFEtcGpfMDBIaHkxdEtBQUVPaGRvTW9VWThPYVV0VXo4azhmT0Z1WTJwbjNoTkJ4T0hEM1FrOGNyai1RTndJbUd6eEFOQQ?oc=5) · Herald Times Reporter
- 2018-11-16 [Manitowoc County Future 15 winner: Lindsey Krause - Herald Times Reporter](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQclBrclBtU2g3Y240T1ZrN1MxMzZaVkI0NWg0UnZMUndVU0xYQWdTb2NRNHdTNVJYNE9CZlFDbV93MjhMLTZVMzdfWDZER1NjemJCaVFBeVRDM3k1Q19EUUR1QTRaZEdIeFJBTDZKWTJMenU5NmxDcC16M01KTUpOWXZYTEw1dWg1UDNnb0NhNHNpX2hFNjdTdTUwZlNnTmk1Y0FQMEVSMkE5UQ?oc=5) · Herald Times Reporter
- 2018-11-10 [Manitowoc County Future 15 winner: Kyle Bryntesen - Herald Times Reporter](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQY1R2VXdHNGRzSXpFaE12ai11cW4xREMxaC1IdWlaeHZtSjBtNGIzLTVEdk8xVnI1UllqQldNenNJWU5CbWV3Ykg4V0NPcUdYbzVfaTFLYkdDemFoUFhoU2poc0hhUU1tMjVMNjBpMXN3TEtjamt4OFJqb0VCcVJHYl9LaXNRWEVUYXNoSHp2aXFERG50VjBrT1loUU4tZ1JDQTVlSUFjV2tsUQ?oc=5) · Herald Times Reporter
- 2021-08-03 [Manitowoc, find out who's moving in and out of your neighborhood - Herald Times Reporter](https://news.google.com/rss/articles/CBMitwFBVV95cUxNczFvSUtwUTBSTjRmSHlPSl9xZEloWENvTjFDQjlERnpKVzU4YU1YZHpFQkdscTIxUjcwT3pfcmJmZ2JPcW85cmVoNWxGZzVLV1ZOb1FzSTBiejdROWc3dXFMWFhKWFhCd3N4M2xud2MwSXN3M1ZzWTF0dUhhWHByTGFpWGNnbUk4WHdEZzQ3bkZrQW9SeWpKNmcyVzgzSDJhdEsyNGpfeGNYR05hUTY5SFVtVVVOV2s?oc=5) · Herald Times Reporter
- 2018-11-12 [Manitowoc County Future 15 winner: Theresa Gregor - Herald Times Reporter](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPTVZGcU11WFlSU1NFYlpFTjZOSkRvSEpKUEMtODlNZ19RLUlFTDRRLVlRblJWUWVJalVNOVRoRkFyUFplVlg5aHdsUUxraDBwV24yZjlJVjFXY2lZUEYxNWhNQV83em51LTE4blVzRjJmLVhETTB0TFRaazFTM0dyRmhua1NYNnZJeGw4RWk0WHJBSEpXdHRmWWN3NnNKc3V0dV9CaGxqYVN3Zw?oc=5) · Herald Times Reporter
- 2018-11-15 [Manitowoc County Future 15 winner: Frederick Krause - Herald Times Reporter](https://news.google.com/rss/articles/CBMirAFBVV95cUxORFpoSER6UmFiMFAwWHJ3NmVsRWJXRnF6Nm8xSUFpSHRYSGFseURtbFY0ZV9TV202S01BQS1zNmdIZXFCWk5zYXFaVTRzVFVSNm1fMmF1b083ZHVZNldneXJqVU01dDY3cDV4LTdSMVhVSG5nUDFCT3dRN1U1WmFyc1JWWFhiaVNvYzQ0YkRZM00xVGN0dTVUX21tejlBTUtCWW9qUnYtTTJQTXBD?oc=5) · Herald Times Reporter
- 2018-11-22 [Manitowoc County Future 15 winner: Rachel Schulz - Herald Times Reporter](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNUjZJZ0ZaSUVqaVU5eFpzcWdGN0FFQl9DOXVQNEtOdG1DQllGQlR5OTR5YzNheHdCdE1lVGhEMnczQUFlX2hRa0w2Y1FmTGVPdVM0MGxVMm9tUXNLcW1nQmZ1TEdfYl9Nckc2Z1dwUE0tdGthX05aSFpZSWZ4OTR6R1JSV2U1bFdlN1ZLSFdTbnQwUUtrU0hNbzVRUS1pSWZQeFpLbW8tQmQ?oc=5) · Herald Times Reporter
- 2018-11-17 [Manitowoc County Future 15 winner: Kristin Odell - Herald Times Reporter](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQX21zeDZVMjAydUhkMFhjcWt6ekU0cXlXOXV3VElaOE5MY21OLVBwY21udTZZd0JxZTVwbDQ3d3dsaUZIX1pickVhUHp3NmRDTk5OdktIYmxmZC1wUTVGUTZteFU3SlFKTUtSOVN5bXlRSzdzX0lkSDlOZ2ZIYWpzaUZFSXhRT2ctNGtZNDBVQVVadzdWWDY0RUo3eXBzQ0gyOEdSY1V1OGk?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66476 (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/44.json (key "66476", 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=66476
- 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