# CHRISTIAN FAMILY
NORTH CANTON, OH · NCUA charter 96699 · asset band $50-100M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/christian-family-96699

Who the members are: state charter. 3,534 members of 250,000 potential (1.4% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *too clean*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $79.6M |
| Members | 3,534 (-6.0% YoY) |
| Full-time staff | 12 |
| Net worth | $11.3M |
| Net worth ratio | 14.1% (p69 of band) |
| ROA (annualized) | -0.06% (p12 of band) |
| Total delinquency | 0.10% (p11 of band) |
| Net charge-offs (annualized) | 0.20% (p41 of band) |
| Loans / shares | 48% (p24 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.14% (p4 of band) |
| Operating expense / assets | 3.01% (p32 of band) |
| Vehicles % of loans | 12% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.26% (p33 of band) |
| Vehicle NCO | 0.54% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p39 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 198% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 34% |
| Average share balance | $9,606 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $20,425 |
| Loans granted, annualized | $2.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **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 | 1 | delinquency rising | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | members leaving | delinquency rising |
| 2018-03 | 3 | net worth falling, assets shrinking |  |
| 2018-06 | 3 | delinquency rising | net worth falling |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 1 | delinquency rising | members leaving |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 | delinquency rising | members leaving |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 2 | net worth falling, delinquency rising |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | loan book shrinking |  |
| 2022-12 | 1 |  | loan book shrinking |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 4 | losing money, margin squeeze, members leaving |  |
| 2024-06 | 3 |  | margin squeeze |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | net worth falling, delinquency rising |  |

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

- 2022-03-17 [Christian Family Credit Union opens new service center - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxQV1RVRTRDYTc0TDlneHpTQVh4VVl4U0lJUWNvMC1CY2pxbU15WTJMMzd1YngwekNqbjBLQWZUSC1vTV81NkZ2MzBlNlhUTERvZmxVSjBIY0dORmRJN2RLLXRFTVBCcWVPWnlSTjZybHZUdjF0LXA3WmZUaDRqWTRteFk5ZUtfOFBadURjbUEtTUQwRVBEVy1TZWVBcw?oc=5) · CUInsight
- 2021-07-13 [One of Cincinnati's largest credit unions expands into new HQ after rebranding - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUnhMcVozZDl2bGx4WFJZQ094Vks4eUxTcGU2V1RKeXkxZllqT3l1UU9EbWM2dWI3Rjk2SW8tRFN4TldVV1BpamdDSGdham45cW9BeFM5MUYwOXFCREpkWTdGZ3RId2JLV3FQenZsaW9YSlpRVlBjSEozaTI5MzIzdnE3b010cmREWWI3MGhVVXVtQzVqRWlFbnc2UWNta3RPV0dPcHJB?oc=5) · The Business Journals
- 2021-09-04 [Murder or suicide? Troubling clues in the death of Christian Andreacchio - CBS News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNWRhd3J5ZVZYRTJfaW5aTU01V0tGTGhGeXNCUk44dFJjMEg2WmJrZGtwYnE2OWltdXBnWDYxanhvR2ZmU3NzY1BBZTZsS19ubk0ybnJtamQwLV9xTDMxRlFTUmFVYWttd0lhVnY2dTZkY2tyM2FnNDMyUWROZGlQWFR6Z21fY2pVQ182VkEtWmTSAZYBQVVfeXFMTVdPZF9YTHpDZzNGX0V2U0xkZlhqQXZtNURyRVJ0UGUzdkNLbDZCRll1RXpBd0hhUzVpZGtYcGp4bjN1NDRmMmZyZjNxNS1iYVBzOExmWG5fZHJDbFBaay00dnVXTG02OWFsOXdsbHBxejhwbldydWszb0dqV0RpQXRfeXE4ZDEtdE5EZVhucm12MFZQSTFn?oc=5) · CBS News
- 2021-10-18 [Matthew Dugan Obituary (2008) - Toledo, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQT0VfLUgxcTN5NXZKdDNET1FkUTNXSDNQWnQ4YmVFdWlKWmlVZ0NQQXRYNGNjazByazIweDNPMVYtZzRPNjRiLTJXeUxVLVRVZ2M2S0h6cU4zQUhvMUU1TWpjRHl1WmdRTEpIODZtTXRJcHE4cG1WRlRQbldDWnpBSWZucUxOLUJUQU9YUW9KQmQyZw?oc=5) · legacy.com
- 2012-11-25 [Christian Hans Nielsen - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPb3otenc1ZFd2dlBnd2ZfRmtyNzc4MWtEdzI1Q1VFSE1YSUhuZC1aeVRyRXpyWUhnNmhVUmJNQzJkT1Y0Mm5BOUlvSXpoc2RYSjRwNDJjVzlGX0pmUmhDaHB1SjcwZmVYdXNMVmV6SndzXzBnbUxzM0lCTjljSmt4U1VsSGFzVDlIVDdFRWJPSENkLW9nY1E?oc=5) · legacy.com
- 2001-08-14 [Bennett W. Smith - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZVFJT1F3UllrUDZtQVYtZ0hHZG5aWWZTTWJfTWZLWklNdkJHWWl1WDlpS0JJWXd1NjNIc2V3ZWJneHprNWVxQnN4eVdLMTBtTFpJNUpVWXhGMnYyeTBHc3lJSE5lQzliV0NpX081dS02bmJTNlRPaW9aeFVMM0h1Z3NYSjB3cWNPME5PejJVOVQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96699 (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/59.json (key "96699", 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=96699
- 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