# ST. ANNE'S
Fall River, MA · NCUA charter 67605 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-anne-s-67605

Who the members are: state charter, organized 1936, low-income designated. 61,731 members of 2,070,083 potential (3.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *participation buyer*. 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 | $1.35B |
| Members | 61,731 (1.2% YoY) |
| Full-time staff | 116 |
| Net worth | $128.7M |
| Net worth ratio | 9.6% (p23 of band) |
| ROA (annualized) | 0.61% (p42 of band) |
| Total delinquency | 0.18% (p7 of band) |
| Net charge-offs (annualized) | 0.20% (p14 of band) |
| Loans / shares | 90% (p63 of band) |
| Cash / assets | 6.0% |
| Borrowings / assets | 7.06% |
| Net interest margin | 2.55% (p10 of band) |
| Operating expense / assets | 2.17% (p9 of band) |
| Vehicles % of loans | 19% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 142% (p51 of band) |
| Vehicle delinquency | 0.50% (p42 of band) |
| Vehicle NCO | 1.12% (p56 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 192% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 35% |
| Average share balance | $10,291 |
| Participations bought / yr | $14.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $385.6M |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $59,576 |
| Loans granted, annualized | $74.2M |

## Participation posture (from the same filings)

Bought $14.0M and sold $0 in the latest annualized quarter; $385.6M outstanding purchased (299.5% of net worth), $1.5M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.7% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 5 | margin squeeze, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2020-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | thin capital |  |
| 2021-06 | 3 | loan book shrinking | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | leaning on borrowings, loan book shrinking |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 1 | assets shrinking |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | delinquency rising, leaning on borrowings |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising | leaning on borrowings |
| 2023-12 | 2 | leaning on borrowings | assets shrinking |
| 2024-03 | 3 | net worth falling, 3rd-party paper>100% NW | delinquency rising |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | net worth falling, loans>95% of shares |  |
| 2025-03 | 5 | thin capital |  |
| 2025-06 | 5 | delinquency rising | net worth falling |
| 2025-09 | 4 |  | delinquency rising |
| 2025-12 | 3 |  | thin capital |
| 2026-03 | 3 | assets shrinking | loans>95% of shares |

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

- 2020-10-01 [St. Anne’s Credit Union holds Annual Meeting - Fall River Herald News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQemN6OHo3NWV1RTVxbjltT2Y0OTducnRMQXEzZE4yMmNDclpYTk1KMnZRS3d3UWU0b25aQlZhVHF4dXNfeHcwSjJGNGV1VDRGY1JRVGc0TE52LXo0Q1VPVmJRZEdFZGptU0NiUXNEaFRnTTl5YnZlbzA3d2VBdDlRMTlkenlZTWZGWkhkdktsS1Q1a295ZTFvdEl0NjlEZC0wSVl2S0ZadnZ6MDJ0?oc=5) · Fall River Herald News
- 2021-01-19 [St. Anne’s Credit Union opens new location in Westport - Fall River Reporter](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNSG96cnd3U3lpU3ZZMEhYY0h5VEpLN3NaTlRGY2UxT3VOdTZzcTZjcjFCdXpmYV8wVmw5ZnZ6SllyNFh5X3Q3Zm1tSEZmZ29GRjFpWElSTjBXa3ZPcWlLM29UTm01ZW13ZUFTQk9GdUdYRnRaWk1OMFBxelVIaFJDTEs2bllyZmtWRTZz0gGLAUFVX3lxTE1Ib3pyd3dTeWlTdlkwSFhjSHlUSks3c1pOVEZjZTFPdU51NnNxNmNyMUJ1emZhXzBWbDlmdnpKWXI0WHlfdDdmbW1IRmZnb0ZGMWlYSVJOMFdrdk9xaUszb1RObTVlbXdlQVNCT0Z1R1hGdFpaTU4wUHF6VUhoUkNMSzZuWXJma1ZFNnM?oc=5) · Fall River Reporter
- 2026-01-12 [Eleanor Charbonneau Obituary - New Bedford, MA - Dignity Memorial](https://news.google.com/rss/articles/CBMijwFBVV95cUxOdlRqRUk2dUZ1YzdKelBBa05ibmNtT2g1bnRLT2daQUZ2ME4xSEhzLU9pbi1SRmpKN1VBcVJyYzlQWXkzVVRxMHB5Tk4yZmwwQW43UENNODNOSTE5MEtVSlB1cm5aMExreGQ2Z3V5VDFBTS1ISl9XbnlEZ29HSm5pYnZURHVlWmZMSGdja2l6NA?oc=5) · Dignity Memorial
- 2019-08-05 [St. Anne’s Hires Charles Coelho as Mortgage Loan Officer - Providence Business News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5IWlVTWmV0VEhRVDFJa2Y5a2hyUDhWM3FzSE1QOWpLVWt2d3V2a1NGWG03dTVnWjVKVVJMUHdwNXl5MjE2eTg2eEZWZUwxX0hCQUFIcm9oYnNscVUwZEdiYlZ6MTl4VmtqaTJQNUVpTmJfSEJLbnVuZU5Qa9IBgwFBVV95cUxPcGVsV2laazlDUUN5NXZZXzRWdmV3RTZ6Y0twLTliazhzZWozbm9oQXI0UHJ6ZG16dXcxNzNWcHMzVVNWcDVfcTdTNk1MYlFIOE1mbVJyLW5GczVuTWVsRzJ1S05vMDNwVVdhWExZVmpmazlpQjVzRTVGMEJ5RlQwdFE3QQ?oc=5) · Providence Business News
- 2020-11-28 [St. Anne’s Credit Union recognized as #1 Credit Union in SouthCoast Media Group’s Best of the Best - Fall River Herald News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOMGd6elV2bUhtQ0dDNi1wUVlUMlRXMWFEemdZS0QtOERqVXN0Y2xOa1J4RDlVazlLbGZLRk82cGNoMmFORTVUUTFlbmNjQUVYR1J3Ym5ZZWowQ3hCbVg1MkhmTXBjWjJtMnNmb1NBR1dyVzAtNmd2bWtNUmdtRFUzaWRtdnNUdVpXRlJZQjNsX0ZDTjd0OEgtREIwajBJLWtNZ3ZmVHhTYTZxTnZSRW1tLWtLNk1BelJEYzZOc29PeV9HMjVPLTJrTg?oc=5) · Fall River Herald News
- 2019-06-06 [St. Anne’s Credit Union Celebrates 83rd Annual Meeting - New Bedford Guide](https://news.google.com/rss/articles/CBMimwFBVV95cUxPV0QzTDlYcC1jbjhFS0QyeU9zZ0ZOcU9zNk4tblhOcjl2ZHNjSzI5NER5NHlOUnVYR3RPMzNfZW0xS2NFWWJTVDJyVFViMVNySFJxeDA3Y2tnNjUwbk1vNldjbUZVT0ZZdi1xOUtGTmR1aXpCM2RFbTA0Z3ZUOXZvR0RsUDRVcjJ0ajNtRnY1dlpyblhQazU4WVh3TQ?oc=5) · New Bedford Guide
- 2022-12-06 [St. Anne’s Credit Union Opens Newest Full-Service Branch in Fall River, MA - Fall River Reporter](https://news.google.com/rss/articles/CBMipAFBVV95cUxNNUd3NVVmOUc3WkJTRU5IWk85Unc5bUdxbzVYaUlQTDliZnJuN1F0bFdsbk9zdVBSMDE4MXROcGwtOGhFRmRFNGo3NGNKOUV3dk82RzFUMDFCQ0p5Z0NmTVN5cFhlRGM4THdLUEMzeW05UDllR0NabWZGZzlpUHpUT1RadHFZQmdLYllqY1JOc0c5d3pWdFN4WEZ5ZG5sUG1iaWloc9IBpAFBVV95cUxNNUd3NVVmOUc3WkJTRU5IWk85Unc5bUdxbzVYaUlQTDliZnJuN1F0bFdsbk9zdVBSMDE4MXROcGwtOGhFRmRFNGo3NGNKOUV3dk82RzFUMDFCQ0p5Z0NmTVN5cFhlRGM4THdLUEMzeW05UDllR0NabWZGZzlpUHpUT1RadHFZQmdLYllqY1JOc0c5d3pWdFN4WEZ5ZG5sUG1iaWlocw?oc=5) · Fall River Reporter
- 2018-11-02 [Leadership SouthCoast graduates 29 at biggest celebration yet - SouthCoastToday.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOM2hCZF84MWFLOHA4dndlUHhNNHZxdmlIM1NvcXJsLWUwcnJzQUdfTElPMklCQkt1Qm1wSkp2TG9JcXlIUVByZzcwbFpoYjVQWWMwdmpnT195Xy1yS3lQV1o3YnZCMnA3aEpUVVJhMVBYNURYSmNueDRUTm1faE5hWXhGREV3eTdXSUZCUnZ5VkJ6MnRRS1dsVDB0RnRXa1c3YTliWEdWRnBpdmxBYTJBcnJyYw?oc=5) · SouthCoastToday.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67605 (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/21.json (key "67605", 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=67605
- 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