# SANTO CHRISTO
FALL RIVER, MA · NCUA charter 9822 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santo-christo-9822

Who the members are: federal charter, community charter, organized 1954, low-income designated. 1,978 members of 100,000 potential (2.0% of the field); checking penetration 20% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.2M |
| Members | 1,978 (-33.0% YoY) |
| Full-time staff | 4 |
| Net worth | $1.6M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.83% (p62 of band) |
| Total delinquency | 0.10% (p25 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 65% (p60 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p46 of band) |
| Operating expense / assets | 3.39% (p43 of band) |
| Vehicles % of loans | 22% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 31% (p93 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 19% |
| Average share balance | $8,336 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $14,296 |
| Loans granted, annualized | $4.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | losing money |  |
| 2018-03 | 1 | net worth falling | losing money |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | net worth falling, losing money |  |
| 2022-03 | 3 | delinquency rising | margin squeeze, net worth falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | net worth falling |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 1 |  | losing money, delinquency rising |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 1 |  | net worth falling |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | members leaving |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2024-07-12 [Evaristo Esteireiro Obituary Aug 12, 2022 - Perry Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1pTm40RlNCaV9GX3o1Ml9uRmhvZEwwaVFCS2FwM1Qwc05iYWxuUEVqT05zZEphV3pHOGl3S0t6ajNqTEg4SzFBMGptb1NqYTFLdGVtYW1ibWJsdw?oc=5) · Perry Funeral Home
- 2025-06-05 [Fall River police: Be prepared for road closures, detours during Day of Portugal festival - Fall River Herald News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOMVZ1dFZFVjR6ZG1LcmFOY0FaTDdoT0lNdEZudjdZdFBXOG9UWEVfR2kxQVR2aGFWS1N5c0J0LXdvSUFVN21QTndTN1B3ZEpnenZVMEVzQVlVaGxNTlZGV0VodWZsUmwwTXBiOFVMR0ZKZ24tNm14cjRDekJiTzM5bHJuYUZEQVNOdWJMNE96TGptZERYU3ZqOWU3bmhSN0NOZ1hDWWVNWGliVGxZYTJWcUxZRDRVdHRwZHRMTVJFNXliNVR0VF81M2F3TVUyc0dFQ2xMVEJLbkFjSW9hcXlXSw?oc=5) · Fall River Herald News
- 2023-06-28 [Obituary | Evelyn Almeida of Fall River, Massachusetts - Manuel Rogers Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTFB6ZW10NnFub2daajlvcHI5bWtrMUl1TDJVZXE3QUJOOTIzMS1mRmI1bF9vcDN0eDlMbFlQN05wTld6RmxscmFzU0hZVG5Qd1M0MDU4d3l5YlFYMjFEQXQtY2ZPZVpDUUpKelc4RF9B?oc=5) · Manuel Rogers Funeral Home
- 2025-06-05 [Traffic, shuttle, entertainment schedule for Day of Portugal Fall River; here is what you need to know - Fall River Reporter](https://news.google.com/rss/articles/CBMiygFBVV95cUxPSWExODV0SkN0REFqZy1mSmNBcXpMT1QyREpkTkNuNXNURWlydmNBV1hNOUU1b2V5d1NVTWdiMVlGdno1T3AyVTNlWHBYOU5FOWVpN3lmaV9lbjBWZ2hxXzRsU19iTW9QVXRZRklKRHVUaHc3dDg3UU1IbGdVUjJlYjdvbHgtRHRlcHIwNnJIeDlGT2h5UVMwUXk2OW51aUpVOFNST1dLU0dKYUV0Nzc2dUhVUHVFUmt5a0NGSlZmMGY1YXVQZ2RTck1B?oc=5) · Fall River Reporter
- 2026-08-31 [Joyce (Routhier) Schiappa Obituary | Conte Funeral Home | North Andover, MA - Tribute Archive](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVEMwYU5aOG12MzJtYVYza21ZalpiN0FFZXgzdUxRY2F5R0xPT0pKOC1MSGg5UDdnZHYwMjMzUVdyVF91Z2h1YUpFWWhMLUUxLS10NktNc2ZYUV9MRzJJcEdMUDZ5R3Y1NlUySkR4bHREaFVJU2hFbE5wSmZ3VUpzV0dR?oc=5) · Tribute Archive
- 2026-06-12 [Parking tips, full schedule for the Fall River Day of Portugal feast - Fall River Herald News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQQS12b3A0RXBMY3FGcE5tQXVqYkxOQ1ZnSEY0NTZXNjVtemlKdXV4UHVTU2R2MW9Gem4yVkJyekdFVlVySUktbndZTVBzdW9UdDlTTXNWQWhNRnN0djU1TXJmUHpXcnBsN3I5c0JkdXdnN3hsR20tTmNRdnVvejRfeGE0SGR2eUhPS2ZXRndabkprOFNKVEp2bXRWNnJIOWp6ckZYVUVYYzF5SDF4ZlNtU0FEWUJEU1R6bFNkVVA4eGs1UUFQd3h6eC1ibk9ZTkVTenEwdXppLXFQZVE?oc=5) · Fall River Herald News
- 2024-06-03 [Your Guide to Fall River’s Day of Portugal 2024 - FUN 107](https://news.google.com/rss/articles/CBMiaEFVX3lxTE0td04wM2xqOW4zT3NnemtUV3pfbnJjZmlwQTFkQl9Ka1V6c0tIbkdLcXFmQXlZYmlaYlBlR1Rmb1hVMEtObl9hRVZFNUl2RmR0NHoxQVB0NzhFbm01cU5uaUJnNDQ0Q2Zo?oc=5) · FUN 107
- 2024-06-04 [Fall River Police Department announces traffic impacts, parking for Day of Portugal - Fall River Reporter](https://news.google.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?oc=5) · Fall River Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9822 (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/30.json (key "9822", 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=9822
- 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