# MUNICIPAL EMPLOYEES
BOGALUSA, LA · NCUA charter 10011 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/municipal-employees-10011

Who the members are: federal charter, government (single sponsor), organized 1955, low-income designated. 154 members of 154 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 17.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $634,755 |
| Members | 154 (1.3% YoY) |
| Full-time staff | 0 |
| Net worth | $275,693 |
| Net worth ratio | 43.4% (p98 of band) |
| ROA (annualized) | -1.04% (p10 of band) |
| Total delinquency | 8.63% (p97 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 15% (p4 of band) |
| Cash / assets | 91.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.56% (p10 of band) |
| Operating expense / assets | 3.60% (p49 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,303 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $2,072 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 | members leaving | net worth falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 | assets shrinking | delinquency rising |
| 2018-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 5 | net worth falling |  |
| 2018-12 | 4 |  | net worth falling |
| 2019-03 | 4 |  |  |
| 2019-06 | 3 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | assets shrinking, loan book shrinking |
| 2020-06 | 5 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 3 |  | net worth falling, losing money |
| 2021-03 | 4 | loan book shrinking |  |
| 2021-06 | 1 |  | members leaving, delinquency rising, loan book shrinking |
| 2021-09 | 2 | loan book shrinking |  |
| 2021-12 | 3 | losing money |  |
| 2022-03 | 4 | assets shrinking |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 2 |  | delinquency 2x band, loan book shrinking |
| 2022-12 | 4 | delinquency 2x band, members leaving |  |
| 2023-03 | 2 |  | losing money, delinquency 2x band |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | losing money, delinquency 2x band, delinquency rising | members leaving |
| 2024-03 | 5 | margin squeeze |  |
| 2024-06 | 2 |  | assets shrinking, losing money, margin squeeze |
| 2024-09 | 3 | loan book shrinking |  |
| 2024-12 | 4 | members leaving |  |
| 2025-03 | 2 |  | delinquency rising, members leaving |
| 2025-06 | 3 | margin squeeze |  |
| 2025-09 | 4 | net worth falling |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 6 | losing money, delinquency rising |  |

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

- 2026-08-03 [Today's Highest CD Rates Are Up to 9% APY. Here's Where to Get Them - money.com](https://news.google.com/rss/articles/CBMiU0FVX3lxTFA1aGZzQ2VOYkVkMGs4QXlEdDd4VzdDQ291R3BGTG5ZTERkZ3RBSVFTaVBSRTRuWkVCdEx6VE5sOExHX1BMeTN2RTZ4S2psMXVoVFFJ?oc=5) · money.com
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2026-01-08 [Black-led and Black-owned mortgage lenders - NerdWallet](https://news.google.com/rss/articles/CBMie0FVX3lxTFBqZS11eEJPcmFzeXZscWpqWHd2Y2w3N2d6NzFvZVhfOGhlVjF1VDJMUVpDN0FnRFB2c3VZd19mTmU3YWF1SzE4T0xXUzBDOHhnSFptT2ota21LLTFYT19JMGd1Qmd6SlNCVU5yRFhqSDZBaFk0OVkxOHJtUQ?oc=5) · NerdWallet
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2026-07-16 [Can you still get a 5% CD? - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxOVXNRb213T2ZoLUlIZGhwTkhFV3Z2LTg1bE1jeG1UOXVvRDlyYTJWY09hcDQ5SXNYOVVwSDFvSEtvR0hUaE5vakdLR3dJbE42eTNOa3RxZHNWZUFBdWRoel9nSWNqTGtzUEhwaEdlQXRIMWlaSHJxdGVhRE5mUzZ3OXNBdXdhbFg1MjBzckx2MDlwdDJDN1Iw?oc=5) · Yahoo Finance
- 2020-05-28 [Quincy Credit Union focuses on its members - The Patriot Ledger](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNnQ1N1ljdUpHTDIzaWxXTXd6Ql9iZnlrUW8yTDRVOUdLUWlsSE1uZTVKbWs3dlpUb1o4dU5MQ0c1TUZpV0hlZnFZME1nY1VzOVJrQU9vYjdOOWZEY3hLb3dNRFRaUDdVRDFsMG1Na013MWhuLWZyVnBsUGZuTXdLNGhwZzVHcmROSFZaSGRJSVdic3lWdVkxZHJlSktMbDhmNEtWT0FuVlVHQQ?oc=5) · The Patriot Ledger
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - ZDNET](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · ZDNET
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10011 (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/27.json (key "10011", 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=10011
- 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