# ST. JEAN'S
lynn, MA · NCUA charter 67959 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-jean-s-67959

Who the members are: state charter, organized 1910, low-income designated. 18,143 members of 250,000 potential (7.3% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $377.3M |
| Members | 18,143 (-3.3% YoY) |
| Full-time staff | 52 |
| Net worth | $36.4M |
| Net worth ratio | 9.6% (p25 of band) |
| ROA (annualized) | 0.29% (p20 of band) |
| Total delinquency | 0.22% (p14 of band) |
| Net charge-offs (annualized) | 0.19% (p27 of band) |
| Loans / shares | 76% (p53 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 2.47% |
| Net interest margin | 2.80% (p9 of band) |
| Operating expense / assets | 3.13% (p27 of band) |
| Vehicles % of loans | 15% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 54% (p42 of band) |
| Vehicle delinquency | 0.79% (p66 of band) |
| Vehicle NCO | 0.38% (p35 of band) |
| Repossessed % of vehicle book | 0.06% (p63 of band) |
| Real estate % of loans | 80% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 37% |
| Average share balance | $9,636 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.9M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $31,883 |
| Loans granted, annualized | $44.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.9M outstanding purchased (7.9% of net worth), $1.2M sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | 3rd-party paper>100% NW |  |
| 2018-03 | 2 | loans>95% of shares |  |
| 2018-06 | 4 | net worth falling, leaning on borrowings |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 | members leaving | net worth falling |
| 2019-09 | 5 | thin capital |  |
| 2019-12 | 4 |  | thin capital |
| 2020-03 | 4 | thin capital | loans>95% of shares |
| 2020-06 | 4 | net worth falling | members leaving |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 4 | members leaving | delinquency rising, net worth falling |
| 2021-09 | 5 | delinquency rising |  |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 4 |  |  |
| 2022-06 | 1 |  | 3rd-party paper>100% NW, leaning on borrowings, members leaving |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | thin capital |
| 2023-12 | 1 | leaning on borrowings |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 3 | members leaving |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 2 | net worth falling | leaning on borrowings |
| 2025-06 | 0 |  | delinquency rising, net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 1 |  |  |

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

- 2024-08-29 [Joseph Richard Julien Obituary Aug 29, 2024 - Short Funeral Services, Inc.](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNTUlETktBbEpmRTVxVFhUQjB2ZUxXemVIOVdKVWs4bUlqM1JWYzgwS0lwSDFURlFYQjcyU2lRUDNmQlJZcWd3UFEtdE1ZQTJmZ2I4bTRLU3pNdmlQbnlwOVlGbG1FRzVZVWdVVzNwQnFyVnVZUXJkbDNFdlBjbGVOeENvTkxhX2V6?oc=5) · Short Funeral Services, Inc.
- 2025-09-04 [John Kingston Announces Re-Election Campaign for At-Large School Committee - Advocate News Online](https://news.google.com/rss/articles/CBMisgFBVV95cUxPbzJKMlhFQV92dFdwRjBNaWVuMEI5N3pINUZyaWEtbTQ5eHRDWXV4TEQ5MGtNNlI4blhLRmF5SXRtTkV4bFk2cktCUldlQXdVZHdKcXJPYzlSN0FZLVN3MWVkalhkMFdLY3N0cldYa2NxMmVpWmxwV0VlVFNzVk1GeGpGekk2eE1FMnZiYXlOQjBWTDVmNW9IeUlSUG5UZV9mb2JqTHMycUNVM2cxRVVxSlZ3?oc=5) · Advocate News Online
- 2023-01-20 [Robert Dixon Hall, Jr. - Obituary - Needham, MA - George F. Doherty & Sons Funeral Home - Needham - CurrentObituary.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE1FM294bWRlMUdkOVFLLVZmMUdQZlRGaTNZTlhxRU9iZXFnOFpZRTZncU96MU96UHdnc25nUjRxN1RubVhhM2tORVBETlJyN0EzYlJ3WVdB?oc=5) · CurrentObituary.com
- 2018-03-07 [Alyse Robinson Obituary - Lynn, MA - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1HTzNVaHlGNmpTdWI2RW9fb3BmbTROSVZXQTZJeURjd0JtcXBPU0JQM0pFamEyT2Y1V0R1WXZCbS1nSk1WUndLcUkxQ3VrRGRtOWNyMjJRZFVrUDRELXdPMjNxcHMzdWhHRWpqM040dVR2R2tBMm44bXpqSXA3UQ?oc=5) · Dignity Memorial
- 2026-08-04 [Armand LeBlanc Obituary (2026) - Lynn, MA - Daily Item - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdHgtb1FGMVBLcFp4SHJXQXAzYjg5dXNGLUVBeXlvLVhWWURHWG1oeXZVTENSNlZJLWUxRWY2NjQ1akFKdEtYcktzTDcxRnVxTUxORFUtSU0xcEFrN2ZOVFA2ZmY2OXM4UjNEdkJ1dWlpUkluaEV4V2VVSm1TVnFKNExLM0k1UThlX0RhUFdoRQ?oc=5) · legacy.com
- 2022-04-07 [Lorraine Comeau Obituary (2022) - Lynn, MA - Daily Item - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZkZDYTh5NzRNWXlDRmhsNTM1TmdVejlLam52NEV3eGtsbmhCRVNtc19PdkV6WW4wTEJUN1NuSmxJT1E4QlRvd0JLZWFOdk5xQTlMZTgtWlBYVk5tMklEdEl2QS0zS05hWnlYT2VCVllDTm9QbmNMcU1iaHBnWkh6eFk3ZkRWZ0VxVmdOZXpTTGY?oc=5) · legacy.com
- 2018-05-07 [Michael Smalley Obituary (2018) - Lynn, MA - Daily Item - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOaW5GdXREVUw5T1VURWcwc1ZKYjY5bXV5dkQ5Vkd6UGd4dUdTNXlLNDl2cHJDZTZVNnNlZG93NG5vTFFLd3JHZXItN01GdEQ1bU41d0NzV1NOQVQxZm5aazMtbGtaUlBDOVJrMXFYdjdRSGlaOGxYZHlsYWlnNUNLdGJmZWphaklPb1d6UlNjdG4?oc=5) · legacy.com
- 2021-11-29 [Joanne Giovanniello Obituary (2002) - Saugus, East Boston, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZjFQZXlEb01CYnRLMFdRcmRPeDB6YmhFd0x1SkU5OW1pNURRRmVwYjREU2tPSTF2d1BDbUZBS19nQV9RNUtsWnlnVWZXNkswZXNBck84dERCTnkxd3ltOU1lTldvdl9kVXdlTU5OSW15V2JrNDlSOEZ4UElXbklReXlXRHhVcDdBblJ6NUdhVFJCMlRrYWNueGFn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67959 (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/55.json (key "67959", 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=67959
- 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