# ST. VINCENT HOSPITAL
WORCESTER, MA · NCUA charter 67964 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-vincent-hospital-67964

Who the members are: state charter, organized 1973, low-income designated. 1,538 members of 2,000 potential (76.9% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.6M |
| Members | 1,538 (-4.6% YoY) |
| Full-time staff | 2 |
| Net worth | $966,840 |
| Net worth ratio | 6.6% (p5 of band) |
| ROA (annualized) | -2.47% (p2 of band) |
| Total delinquency | 0.72% (p63 of band) |
| Net charge-offs (annualized) | 0.88% (p90 of band) |
| Loans / shares | 23% (p12 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.14% (p36 of band) |
| Operating expense / assets | 5.16% (p92 of band) |
| Vehicles % of loans | 58% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.60% (p65 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 7% |
| Average share balance | $4,535 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $7,324 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | thin capital |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | thin capital |
| 2018-03 | 3 | thin capital, losing money |  |
| 2018-06 | 2 |  | losing money |
| 2018-09 | 1 | members leaving | delinquency rising, thin capital |
| 2018-12 | 0 |  | members leaving |
| 2019-03 | 3 | thin capital, losing money, assets shrinking |  |
| 2019-06 | 0 |  | thin capital, losing money, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 3 | thin capital, losing money, loan book shrinking | delinquency rising |
| 2020-06 | 5 | net worth falling, margin squeeze |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 6 | members leaving |  |
| 2021-03 | 6 | charge-offs p90 | net worth falling |
| 2021-06 | 9 | capital below 7%, expense trap |  |

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

- 2015-11-26 [Shawn Patrick McCarthy Obituary Nov 26, 2015 - Callahan Fay Caswell Funeral Home](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9tTEdDQjBmNjFra2JrQjRERy1yNjFGZDc4dDM4MUxCNS0zMFJFbWYzcFhmdEhRdmFyeEZLT0Z0ck5PM0NFWHgzellNM3RPM3hoOUIyWlJZcw?oc=5) · Callahan Fay Caswell Funeral Home
- 2008-06-16 [David Richardson Obituary Jun 16, 2008 - Mulhane Home For Funerals](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBDZndXcFNncnJqOGlMRklMRFNEd2VWNUlscjhPNzBXYm9UbHNVUUJsUzlKcklGX3Q4bHItU2xqdWt2RTZ5UTctTlBBaGx2aTNhOXFfY2tFeXhBb0dYTzRFMg?oc=5) · Mulhane Home For Funerals
- 2007-07-19 [Leo A. Tremblay Obituary Jul 19, 2007 - Miles Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFB2QlVydGZ0OENqU1Zhb2piX21EQWtLbmlTbjRBc2E4X1B5aXhpR0lwWDN0MHFiZGQ5bjJHN3Z4aE01UlFVQm9DSDV0alk5ZUlHVG9HZzlEN0JNZjJSVkdsLXdyRGF2a0JKdUpV?oc=5) · Miles Funeral Home
- 2022-05-07 [Patricia Ann "Patsy" Dowling Obituary May 7, 2022 - Weigel Funeral Home | Swanton, OH](https://news.google.com/rss/articles/CBMid0FVX3lxTFBBeU95bWQ3Z1JBWU5Ecm9WZU5WSFppZ2Q5eno5aTRnaGdnS2hQOUZKN3RmUzViSlhYTnYtUWxRYkJwVGZHNG5xQ1VkaXBYTmQ1TmtXR2MxLUpkanoydmlJREJvdWtmNFBHN01iUE5OTUZyLXluSjhJ?oc=5) · Weigel Funeral Home | Swanton, OH
- 2003-06-26 [Linda M. Brailey Obituary Jun 26, 2003 - Mack Family Funeral Homes](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5VVjIyNV92Nm5LYlIxOTE1b0tJM1Q1TUFXQndIbll1ZVZpMHctTEFvelBiT1o1akp5Rnd5SlhYVzlPaTA3Yl9hVXhqNGhuSEctYk1HOUZCY1ZNMkk4RURhdGZ2TlFrdw?oc=5) · Mack Family Funeral Homes
- 2009-04-02 [Lynn Ann Hedman, 52 - Worcester Telegram](https://news.google.com/rss/articles/CBMimgFBVV95cUxQU0l5a215YkFISFk4WUktc0xfal9wVnZ4cV9fSlF6MjhQck9aMEY4M3FlMWZfSnJ6cU4xMTZyemRiQlRLVmg0QWYwWm94TWoybmwyZ2hQQ0J5bWR3bXlvcU1vQ1NNZ3N4dUJkamgyenFaZ3htMzl3OXlEaWlVS2ZjLUg0NzVYWk95M2l3YlpVbGkwWHVnTVhSUnZR?oc=5) · Worcester Telegram
- 2021-12-23 [James Dalterio Obituary (2004) - Millbury, MA - Mulhane Home For Funerals - Millbury - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSDJhc2pBTmVzcmZoRGdiREh3SGNLYWgtbmpOMHgwVlJWdWJ3OVhtY3ZrWG9zU2VrYzVsRWVmWEJJVGtGWk5YZ2dqNHN3Y0NnYXhaOW9qU1N5aGxoazZhYzhVZlA0d0xaWUN2MUVvNXlyQVhRNWRlT0VhbmdyMlNyLWRNVzhjZw?oc=5) · legacy.com
- 2004-01-06 [Richard Kenary Obituary Jan 6, 2004 - Mulhane Home For Funerals](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5oWW93cjVjWm03dmVwWDJCd3JLbEZfNTZlRWpwVW1rRjdteVpkZ0Foa25ud0JxUG1HYVI4dDBoVXZMeVdDVjhCYzU3OU10a1FmQ1pLTlVTNXZMMDE4OVE?oc=5) · Mulhane Home For Funerals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67964 (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/60.json (key "67964", 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=67964
- 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