# ST. MONICA
GARY, IN · NCUA charter 8295 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-monica-8295

Who the members are: federal charter, associational, organized 1953, low-income designated. 1 members of 1 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $131 |
| Members | 1 (-99.5% YoY) |
| Full-time staff | 0 |
| Net worth | $131 |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | 0.00% (p27 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.00% (p0 of band) |
| Operating expense / assets | 0.00% (p0 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | losing money |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | losing money, assets shrinking |  |
| 2017-06 | 4 | thin capital, margin squeeze, loan book shrinking | losing money |
| 2017-09 | 4 | members leaving | thin capital |

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

- 2024-12-13 [Ohio Catholic Federal Credit Union Changes Name to OC Federal Credit Union - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxNXzUyc1VsNXU5TEZPOHpKc290V2ZRem82UkdEcXdQQ3lvUXY1WEJabkVmNnBNdlRaQWRkb01lWkZhZk45dnp4aHktWWwxZ3doeXJ1Sy02LU0zWk16YWhmUElVdWd3d0dHQlZMWndvYUZ2a0FvQld0ZzlHWjlWdDJEdjhyT2JoY3pHVDNaRnhHN0JHNHd2dHJTd1dpYlo1UmJIM2Z3UEF3dktzRnJwLTA3dzF5TGZsOFBDc0stWkRleWpJQ0RhbHRrYWVB?oc=5) · PR Newswire
- 2024-08-30 [In remembrance – Deacon Ralph W. Netzband, retired | August 30, 2024 - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOMElPMThoTUxLNWhFeF9rLVYyOEdWenlpVE9KcGI0X3JQaTJVTGwweWZyUFFabC11NE9IcU1kZ2ZmdHd0TVp6b3ZNLVVMOXhzczRsWVZWT0d6Q1JBZHZUbjJWcXdZbDFZczVDclYweDlKVEtaUGRNMHBZbVNHczhFZ0dETXQzb0tQcTFnRjZWa0p6RE45NHp4eGFkQXJkanNmb2V6SU8xM0owQQ?oc=5) · Catholic Diocese of Cleveland
- 2025-03-14 [Ss. Monica and Luke elders offer inspiring stories of parish roots - The Chicago Crusader](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSkhXRTc5dUU0TzZCbENqQkxWeGYtY0NvX1MzQTBUekhwam9sYm9aZUtGWTNxVnFPNWhodC1MU0RJNGRWU0dkejVockhXdmxqU1VLSlBoeEUtbXBxbkFEVFZKV0RpM2Rsb1ZEVkpxX0dTQ3B5U3p6LWhfMzlaQzNNR21HLVhaNWlVd3JOaWVKNzhpTEF1YVRCLXBB?oc=5) · The Chicago Crusader
- 2021-11-22 [Spirits Lifted At St. Monica’s Home For The Elderly - jis.gov.jm](https://news.google.com/rss/articles/CBMihAFBVV95cUxQV0JGTnJqOTNTTEVyRzluRjFlN1phNFJLU0pmdk9CSjVGb0thV2ZFQ1g0SWkyaWRfUkV0bzJKSlIzdjNCMlNjOGo0U0JNT2dHS1pVby1LUUp2clVwOGp0MWNGd2ZxYjNKTGktX0d2amw4M2hNcHFyV0VSdjN1RHlHSUI2MmE?oc=5) · jis.gov.jm
- 2023-06-25 [Jerome Barina Obituary (1930 - 2023) - Racine, WI - Racine Journal Times - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNYlN3YmtWd3czaF9jZEtsZE4wS21vVXoyZDFpOUt6REF3eWNoSnpfZ1lyLU05dzJqem96QWxMNkN4dlVWcXpYdnhQSG9lNzREM1IyYXRqcXRQcGNFc0JTUFlHM0FVdXc2Y0xPVFozR0o1VkhpeHBIZldMSEY1UVBETHJ2WEo2V2dlVG1yMXM0dVpnQzA?oc=5) · legacy.com
- 2022-04-27 [COK … Living the co-operative principle - PressReader](https://news.google.com/rss/articles/CBMiggFBVV95cUxQZDJ2elZ0eDVfejVUcGtzaUFfemg0ZlFubjg1R2NveTNLTjRxZHkyLVVEaTdSV190WTJNdU1tU01QOVBmc0JxS0RaM3hOYjF1djBzSzZ5UmVVZC1paHBVLThGWkZObTVJM3ZiQS1LWG9Kam8yTnlPLURhZElDZ29KcnlB?oc=5) · PressReader
- 2021-10-24 [Jewell Blackwell Obituary (2004) - Merrillville, IN - Post Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxORXp0UUVYUktrbnhyS0RBM3Bld2hieDJ3dDNoNFRoQkVZWXdtQmNJV1UwZ25ZSml6ekpZVTVGMEEwWldMeFp2SjBrbm5UWEpGSFZFbWxpdGNDOXFhOGpnQTNNaUYzeDlTdDNtS0ZHTUVNeW0yazFQb0FNUFlqNFBEY3FISVlVVktqLTZ3VkNqck5LYTZzYzdj?oc=5) · legacy.com
- 2016-07-08 [St Monica’s SHS begins celebrations of its 70th Anniversary - NewsGhana](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUlV6Ykw1WndINVNpRkYyTkcybDVQc0RCRGd5VUMzWGFKOGxWaDZJbTdXcjF0ZUNfa2R5MHZmQlZjZEpadzV6eWFNUEotU014ejFyUEhSbVVUa3B5ekMyaXFuZ2l3QjUwdkJMVG5rSVRtYnlWMHNCQ1ppT0pPZ2duQnp1ZHpGWXlNcHZNWA?oc=5) · NewsGhana

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8295 (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/39.json (key "8295", 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=8295
- 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