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Annual Reviews

NCUA requires an annual review of the underwriting underpinnings for every commercial credit. Rockne pulls the borrower's latest financials, spreads them, recomputes DSCR / LTV / liquidity, checks covenants, and re-rates risk — then stages the exceptions for a credit officer. Nothing is committed; every recommendation waits behind a human sign-off.

Next milestone: Full book reviewed — Sep 30

no financialsdowngradeRockne pulls the financials on file, spreads them, and recomputes DSCR / LTV / liquidity against covenant.Rockne Review1A flagged credit waits for the credit officer to review Rockne's recommendation and sign off.Officer Review7Review complete — auto-cleared or officer-approved. Grade and next review date recorded.Cleared8Doc ExceptionWatch List
flowapproved / fundedexception / returneddeniednloans in stage
Stage detail
  1. 1Rockne Review

    Rockne pulls the financials on file, spreads them, and recomputes DSCR / LTV / liquidity against covenant.

    Exit: Spread complete — clean or flagged

  2. 2Officer Review

    A flagged credit waits for the credit officer to review Rockne's recommendation and sign off.

    Exit: Officer approved or returned

Outcomes
  • Cleared

    Review complete — auto-cleared or officer-approved. Grade and next review date recorded.

Rockne Review1
Rockne pulls the financials on file, spreads them, and recomputes DSCR / LTV / liquidity against covenant.
REV-16C&I Term
Grotto Coffee Roasters
$128,000
NDCU-CI-1132 · Food & Beverage
DSCR1.45Grade3
Covenant
Rockne
20%
3d
Nov 10
1
Officer Review7
A flagged credit waits for the credit officer to review Rockne's recommendation and sign off.
REV-9C&I Term
Corby's Irish Pub LLC
$340,000
NDCU-CI-1088 · Restaurant / Hospitality
DSCR0.94Grade7
Breach
SKSuzanne Kost
60%
3d
Aug 20
3
REV-10C&I Term
Cavanaugh Hospitality Group
$880,000
NDCU-CI-1160 · Hospitality
DSCR1.05Grade7
Breach
SKSuzanne Kost
60%
3d
Aug 28
0
REV-11CRE Term
Holy Cross Village
$4,200,000
NDCU-CRE-1055 · Senior living campus
DSCR1.34LTV84%Grade5
Breach
SKSuzanne Kost
75%
3d
Jul 30
2
REV-12C&I Term
Hesburgh Center LLC
$445,000
NDCU-CI-1177 · Office / Commercial
DSCR1.51Grade3
Covenant
MRMarcus Reilly
60%
3d
Mar 1
1
REV-13C&I Term
O'Malley Construction LLC
$610,000
NDCU-CI-1145 · Construction
DSCR1.23Grade5
Covenant
MRMarcus Reilly
60%
3d
Sep 28
0
REV-14C&I LOC
Fighting Irish Landscaping LLC
$185,000
NDCU-CI-1120 · Landscaping / Services
DSCR1.52Grade4
Covenant
EBEllen Brauer
60%
3d
Nov 1
0
REV-15C&I LOC
Eck Stadium Concessions LLC
$96,000
NDCU-CI-1199 · Concessions / Events
DSCR1.27Grade4
Covenant
EBEllen Brauer
60%
3d
Apr 15
0
Cleared8
Review complete — auto-cleared or officer-approved. Grade and next review date recorded.
REV-1CRE Term
St. Adalbert Parish
$1,087,500
NDCU-CRE-1042 · Parish facility & grounds
DSCR1.38LTV66%Grade3
Covenant
Rockne
100%
3d
Sep 15
0
REV-2CRE Term
Marian High School
$2,450,000
NDCU-CRE-1103 · School campus
DSCR1.80LTV60%Grade2
Covenant
Rockne
100%
3d
Oct 2
0
REV-3CRE Term
Sacred Heart Parish
$720,000
NDCU-CRE-1071 · Parish facility
DSCR1.45LTV55%Grade3
Covenant
Rockne
100%
3d
Dec 1
0
REV-4CRE Term
Dujarie Properties LLC
$1,540,000
NDCU-CRE-1090 · Mixed-use CRE
DSCR1.44LTV67%Grade3
Covenant
Rockne
100%
3d
Aug 19
0
REV-5CRE Term
Rosary Gardens Assisted Living
$3,100,000
NDCU-CRE-1099 · Assisted-living facility
DSCR1.40LTV67%Grade3
Covenant
Rockne
100%
3d
Nov 20
0
REV-6CRE Term
Basilica Restoration Fund
$1,980,000
NDCU-CRE-1112 · Basilica & parish real estate
DSCR1.72LTV57%Grade2
Covenant
Rockne
100%
3d
Sep 5
0
REV-7C&I Term
Bend Chocolate Co.
$265,000
NDCU-CI-1188 · Manufacturing / Retail
DSCR1.53Grade3
Covenant
Rockne
100%
3d
Dec 12
0
REV-8CRE Term
St. Joseph Regional Med Plaza
$5,600,000
NDCU-CRE-1125 · Medical office building
DSCR1.68LTV63%Grade2
Covenant
Rockne
100%
3d
Oct 28
0