# CATHOLIC UNITED FINANCIAL
SAINT PAUL, MN · NCUA charter 68469 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/catholic-united-financial-68469

Who the members are: state charter, organized 2001. 2,815 members of 100,000 potential (2.8% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *auto monoline*. 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 | $34.4M |
| Members | 2,815 (-10.5% YoY) |
| Full-time staff | 6 |
| Net worth | $3.6M |
| Net worth ratio | 10.4% (p19 of band) |
| ROA (annualized) | 0.40% (p42 of band) |
| Total delinquency | 0.19% (p31 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 45.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p36 of band) |
| Operating expense / assets | 3.71% (p53 of band) |
| Vehicles % of loans | 63% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.13% (p37 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.04% (p92 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 42% |
| Average share balance | $6,064 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,155 |
| Loans granted, annualized | $7.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -10.5% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 | net worth falling | losing money, delinquency 2x band |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 1 |  | net worth falling, losing money |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | net worth falling, losing money, delinquency rising |  |
| 2020-06 | 4 | margin squeeze | delinquency rising |
| 2020-09 | 5 | loan book shrinking |  |
| 2020-12 | 5 | delinquency rising | losing money |
| 2021-03 | 5 | members leaving | delinquency rising |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  | loan book shrinking, members leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | members leaving |  |
| 2022-12 | 4 | thin capital |  |
| 2023-03 | 3 | delinquency rising | net worth falling, thin capital |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 4 | thin capital, net worth falling |  |
| 2023-12 | 2 |  | members leaving, net worth falling |
| 2024-03 | 1 |  | thin capital |
| 2024-06 | 3 | delinquency rising, members leaving |  |
| 2024-09 | 3 | assets shrinking | delinquency rising |
| 2024-12 | 3 | net worth falling | assets shrinking |
| 2025-03 | 4 | delinquency rising |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | assets shrinking |  |
| 2026-03 | 3 |  | delinquency rising |

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

- 2026-02-02 [Notre Dame Federal Credit Union and Catholic United Financial Credit Union Announce Intent to Merge as Strategic Partners - PR Newswire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOMHFha3FqR0U4UWR1Q3FKeS10bkVzWjJ2ZzZwWHdJZWVhQ1BxNHNwSFBXTDB5Zl82NnB6RFlxVVZOMmJOUm1mS0Q0dlRCSW5XU0RYbG5Sa1RNaVljU3JOOTFSbnBRNjRHWkg4c25nNGRyY2Jfd0Y5dHZmWTQ4Ml9NeUpzMkVka1pVYk56THhvNldmUERLaDVBT3A3NmJDanpCT1RNTUQtNGRoQnFOWHZPWEhGSmZtclFxODREQkpYWWpFNXZLTE5fTXFTWkVIMUZiRkNpaEVRNFNSaEQtWTNJRTVwVmk1NGhzOGhlc0VmRVRXSEM4TzZzVEhENjBMWjhvSmtGbHpadUg?oc=5) · PR Newswire
- 2026-02-09 [Merger unites two mission-driven credit unions in Midwest - South Bend Tribune](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQVTJFejlwUG9SMm1IX2htQXZkc0tJdFhSaGJSOXRVQ3RHYlhtOXRjZkI0bF9xUk1qSlZmZERaNk82WmttQzJhaEFQT1dvTkFtSGpjdjdNelAtWTlVWDBDZzNTRHJuY2N1WWNVUnQ3ejZxdlpDWDNFaHBVVUl1MVJwVzAwVTU3MjVTWEp2blY5bm5TZ0VoejlBZ0hyQWdKQWxPbDFsR1d5T3FEYjVHZlk1ZXllajZBQkVaUmZHSVZOeWtHR1hiVzBFUjg0RXhjUGEtWEE?oc=5) · South Bend Tribune
- 2026-02-18 [Notre Dame Federal Credit Union to acquire Catholic United Financial Credit Union, - nwitimes.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdHpJUVo5YjVLb08zUFRGS2pMWnM0UkxVLUhFQXdXQ1F3TWtIdV91aFVKWUxGWENPQTh4cnRPLUFNeUMyZzZyN3FJSWk1bUVQUU5NVWxUcC03UVFUY3Y4dHFGZjRpdXZ6Zm9NN3RJTUVlaU5pQjk5VW00NllTRlRoUGp6aGE4TVhCaERxclV6c2I5Uzht?oc=5) · nwitimes.com
- 2026-02-13 [Notre Dame Federal Credit Union announces merger - Inside INdiana Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxOSlVLYkJ4RHJaLWlYYVZpcW56M0ZRcUR0SFI4Q0FFdzRjWEtySHc1amc4SXNEMTQ5VHNsSWlaRHZFWGhBbmVGcW9COGxjeWtyY3hod01aWHk5bGktXzhnRi1FRS1uUFRwdkpxT1ZKbmVDV3BPYVUySXp4VWxYbXFVLWliSnhWWjBJYU55ekxuYzFpb3R6Q3VmLVAtQQ?oc=5) · Inside INdiana Business
- 2025-12-29 [Artist’s ‘Magnificat’ has brought joy, hope to Jubilee pilgrims in Diocese of St. Cloud - OSV News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQlpISU5kZHhjWVZLclExZXotM0drMHYwdTdwTEh0SzViZWs0TmVkYUc2NWxrOFFBU0xqT1IwenBPVlBsUkc4YlZISnVZWjJnN3NnOVJHd2JjeGhJU3BWZXVLOFVnNFFCeS1MdjEyMnNmN1VDaFc4ZG5saGlPYzhLZmhqWlF2NHZRLTgwdVpyRFh5QUVNMjczdk85dGtxLTQ2R083cHpudDhKclE?oc=5) · OSV News
- 2021-06-30 [St. Thomas Employee Credit Union to Merge - Newsroom | University of St. Thomas](https://news.google.com/rss/articles/CBMidkFVX3lxTE1iOXp0cUZHc2lzejJxYVdjSmJ3dlVKZmRicE5TWmpuUkgxUi1STnZtNjh1U1J3TldZSDBycUNVOVZ4U3V4c3NtUjA5Uk56QlVUa2lrMzM3OVRfeUFmX2thVE9UTnhpQjRNTE8zZ3RFZlVQaFhOX2c?oc=5) · Newsroom | University of St. Thomas
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings
- 2026-05-04 [Biz Buzz: Restaurant Week aims to put St. Cloud's culinary scene on the map - St. Cloud Live](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaWdWNmNEVkY1X0ZxcG56Rk5HeFAtYWhnZU9QeHFGcE5ROGNNT3RvUGxyNHBPNVd5Nnduc2xiemJUaVBqQk9zQk9PQVpyZGZENlkxVTNoTkx4ZGlYNnpzZHh1THppd284cUc0WWNESVZzRGt2TE9uQ0VWbVRRcXI4bU4zSTJRWG5QZzRHUmFQcjdSbGdEMzRfVjd0X2VBOHlpcW1ibXBsZmhiVnY5R1E?oc=5) · St. Cloud Live

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68469 (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/53.json (key "68469", 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=68469
- 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