# JEANNE D'ARC
Lowell, MA · NCUA charter 67352 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jeanne-d-arc-67352

Who the members are: state charter, organized 1911, low-income designated. 101,712 members of 3,358,036 potential (3.0% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $2.19B |
| Members | 101,712 (-1.5% YoY) |
| Full-time staff | 241 |
| Net worth | $197.2M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.37% (p20 of band) |
| Total delinquency | 0.19% (p8 of band) |
| Net charge-offs (annualized) | 0.07% (p4 of band) |
| Loans / shares | 102% (p93 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 12.02% |
| Net interest margin | 2.47% (p9 of band) |
| Operating expense / assets | 2.76% (p26 of band) |
| Vehicles % of loans | 7% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 43% (p23 of band) |
| Vehicle delinquency | 0.15% (p7 of band) |
| Vehicle NCO | 0.22% (p5 of band) |
| Repossessed % of vehicle book | 0.01% (p24 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 118% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 38% |
| Average share balance | $10,587 |
| Participations bought / yr | $5.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $90.7M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $50,771 |
| Loans granted, annualized | $307.4M |

## Participation posture (from the same filings)

Bought $5.4M and sold $0 in the latest annualized quarter; $90.7M outstanding purchased (46.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -4.1% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 3 | loans>95% of shares, leaning on borrowings | charge-offs p90 |
| 2016-09 | 2 |  | leaning on borrowings |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | net worth falling, leaning on borrowings |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | net worth falling |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | loans>95% of shares, leaning on borrowings, delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | thin capital |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | thin capital, leaning on borrowings |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | loans>95% of shares | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 | net worth falling | delinquency rising |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | thin capital |

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

- 2026-04-17 [Jeanne D’Arc Credit Union announces four new officers - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxOazJoOUVETnNTR2dmTExkNjV1WldJVUhiT2w1QWkxdTgyOVlrOHlIcmQ5cFBVNlBEV2EydkhMZGtUTkgyaVF2clhiZ1kzc0JJaEx3RUhhZWExMUZUbTluY2JDLWxQcENSZi1qV2dxYkVxXy0zbUVDRmtQeEJtUEJxdmF0Qk51SEExdnZUSkwzMjFzdmo2b2hDSg?oc=5) · CUInsight
- 2026-04-30 [The Five Minute Read: JDCU raises $125K for local nonprofits - Lowell Sun](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZnFmQ2RQTmJtLXRKdi1tNG1zS2FjWVZiMVZOM3VRMjBOeU1wZWxmV1JPVkJrWDdtS0MyclAwaGUtVE9TWTQ5TzBvankxUjlseVk2d2tacG9iZjZqZ2N3dGpLNk1BZno2N3pxVkxsa1JTMVFoNVpRbGZqcmU4ZzlPd2hjeTBXWTBKRVVsbVlaRFlSRG9pS0g0MG96OE8?oc=5) · Lowell Sun
- 2026-06-02 [Jeanne D’Arc Cuts Ties With Employee Following Viral Pam Bondi Video - cutoday.info](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeFQxMUUyeTViT1NNQmVhLUVVWE4yZHhtai1uRUdBTFJBck5qVnBCcHU0TkN4MDJxc2FDeTVDQmhmVXlrRnVxcldJSGhhSWx4Rm9lYmI3d3pGWWQ0SVBhLWQwQWV6NzR0WnBmeVhfUmpUS3dVZGs4YzlTMU1zMTZQRjZQZnBCdC1JX3V5VXY2RWE4OXZEYl9zTTFnS1dSQUhmVW12VXJudnU?oc=5) · cutoday.info
- 2026-06-10 [Lowell: The City of Opportunity to Start and Grow Your Small Business - lowellma.gov](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBlQzJ1cUFXb2ZBc3hiUVZETjBvTllrMmczN1Q0VkwxYTNYV0pTYjFBa2Q0X2NiRjF4T3hkZ2hNdF9SQ29WZ3dva1FTQ3QxYUJiekNQR2xDdUMta3NaWm5uaXln?oc=5) · lowellma.gov
- 2026-05-12 [Jeanne D’Arc Credit Union Promotes Morris To Branch Officer - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZVE3YjE4R1EwNkNlZWo3aWFDZ3g3d2NWem1CMDh0NEl3Y05ITEtyTDhNUnJVbjAyQTB1eHRsTTF5Qi1nVUtGbTR6MnBtX1dVaTdvQ3pEcUV3NGFqWlFEY2JLb0t0WXhDd2NjVmRwUzFaOGVpSHgtVXNXQm5IQmRITk1ncDg0UXFwTjEtZURubVlLdGdUZ1M1YkhGNA?oc=5) · Patch
- 2025-10-23 [Jeanne D’Arc Credit Union announces partnership with New England defender Keion White to tackle financial wellness - CUInsight](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOTFRQSXNfNk1OQ3U5bUJwcl9HWmFiTkloMUJKeDVqZWtWSXcyMlp4ODc1d05KdGpRTzVYTHEzaXVKMGRPTFpmVHJJS2Y4NXkwNHUtU0N2QUN1SzN4OEF1X1dCLTN2b0hKUGpLc0ZDOG5zQ3FtR3BqbWREcVQtMVFiQm1pdExma3lTalVfd2UwMGJ2a041RlVHaldYYUVoaEYxQkFRaEZrT3d1ekxMNlRCd3QxQ2R5US04OTlyd0xVWGx3eGZfczh3WmVlWks2al9uVFZFUEI2YUx3NXQzcFB2NmJTWmNqbkNmN3c?oc=5) · CUInsight
- 2026-05-29 [TikToker loses job after praying for Pam Bondi’s cancer to worsen - Washington Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMmh4bmRlelA1d2pZS3F1ai1NUWs3X0wxbEtkVlZudFIzVG12WmZ2c09YdC1xSFZ5X202dmZaYkdoTFpCdnEtV2VxQl8zel9mYUVab3BHLWhGRlk1R0hSc0NNVzh2R1NCQk5nVlMydEVhQlhLTGVmMGQ3TzAwQVRYZ3AxdVpPTC1aa0dYUFFZNEw5bUdOb0JPR1VRS1VIRVpmY3M4?oc=5) · Washington Times
- 2026-06-01 [Lowell Credit Union Employee Fired After Praying For Pam Bondi’s Cancer To Get Worse - NewBostonPost](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcUlzM0hnUWU5QXRxYUFRdTFtdmwtOTBFSW1jMW5kU09KMmVXVmdoY0t1ZktnMTFFS3pNNnRZUWpBVU1JYXhwQm5saE5QMVdPU21lZVlyUkpocEJhUzJKdW1XMGZzeTVoQVVNV2oyV29qd1RFODdRVmZNSW5FaDBSWjBfRXRWdkNiNFBKR0F1b0NJdw?oc=5) · NewBostonPost

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67352 (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/24.json (key "67352", 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=67352
- 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