# HEART OF LOUISIANA
PINEVILLE, LA · NCUA charter 10164 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/heart-of-louisiana-10164

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 16,407 members of 337,557 potential (4.9% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 36.

**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 | $146.4M |
| Members | 16,407 (-0.7% YoY) |
| Full-time staff | 46 |
| Net worth | $23.7M |
| Net worth ratio | 16.2% (p88 of band) |
| ROA (annualized) | 0.38% (p30 of band) |
| Total delinquency | 0.42% (p34 of band) |
| Net charge-offs (annualized) | 0.47% (p64 of band) |
| Loans / shares | 64% (p38 of band) |
| Cash / assets | 32.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.35% (p85 of band) |
| Operating expense / assets | 5.48% (p93 of band) |
| Vehicles % of loans | 23% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.90% (p67 of band) |
| Vehicle NCO | 0.89% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 139% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 1% |
| Average share balance | $4,158 |
| Participations bought / yr | $52.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.5M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $13,277 |
| Loans granted, annualized | $72.5M |

## Participation posture (from the same filings)

Bought $52.5M and sold $0 in the latest annualized quarter; $28.5M outstanding purchased (120.2% of net worth), $2.1M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 5 | net worth falling, losing money |  |
| 2016-12 | 3 |  | net worth falling, losing money |
| 2017-03 | 4 | losing money |  |
| 2017-06 | 3 |  | delinquency 2x band |
| 2017-09 | 4 | members leaving |  |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 4 | delinquency 2x band |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | members leaving |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 3 |  | delinquency rising |
| 2019-06 | 2 |  | delinquency 2x band |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | expense trap |
| 2020-06 | 4 | net worth falling, expense trap, margin squeeze |  |
| 2020-09 | 3 | delinquency 2x band | net worth falling, expense trap |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 5 | net worth falling, expense trap, delinquency 2x band |  |
| 2021-06 | 5 | loan book shrinking | net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 2 |  | margin squeeze, expense trap, delinquency 2x band |
| 2022-06 | 1 |  | loan book shrinking |
| 2022-09 | 2 | delinquency 2x band |  |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | delinquency rising, assets shrinking |  |
| 2023-09 | 3 | expense trap | delinquency rising |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2020-02-21 [Heart of Louisiana donates over $4,500 to the Food Bank of Central Louisiana - KALB | News Channel 5](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNVFZiQ0xMbGE0U1p6cjRWUGRHeDlYSVdoWl9CR2Nwck83bEtxUVpjSklfazZvQ3NZckRITDYzTWVWSXRzZFV2dEthY3FkY21Eb0treTBscDZUOGpTNDNaOUdkZlI0b1Y2Y21WSUZEZ0ZvbWF3aC16V2x2d2oyNnBfcGo5c1FWcXdtWHlUdC1aN0EzLU5oSlJ3TkdrQWxRV253UzJaM3ZYakJucmlFVWcyVFByZ2VMVmRZcmoyMUdWYTQ?oc=5) · KALB | News Channel 5
- 2026-03-15 [Deborah Ann Clifton Obituary (2026) - Clifton, LA - Rush Funeral Home - Pineville - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPVGlvdzhsX1dMaWgyRHVTTjZkMnoxeHNudHZvVDZlMno5ZFJfVC1UOFRnTy1jYzR3aU1fclR6RFZKYlpaQVZPVVlJZWdQNmZEMy1yR3NRN09SR19lTU85VGg5T0p2aGNFMVNaZzRFZnZLSHEwcW80RERNNmliNVpIZ0RVenk?oc=5) · legacy.com
- 2025-06-27 [Relationships, gratitude at heart of Louisiana Sports Hall of Fame Class of 2025 - TigerRag.com |](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQY2w3UDU1bkU5SU55T1dfWEpNTy1fODZLOGhVeTE2TjlGYkN3YlhlM29JYjlVblcwUW9JVWs0WkZjd0htdk14MFlhRkFseXhNZ0NUYlpkZFllaTN2X2ZnV2xpRm42SHBIV1pSbWQ2YVRXWk1ZSVctMnVkUHFlWTlWczg5dC1uSEFsTTlpaW56WGV0dHNiSmpVNWVTMEtud2RfLXdiQkE5YWo?oc=5) · TigerRag.com |
- 2025-06-03 [ModernFi CUSO Sets New Industry Standard: Credit Unions Can Now Offer $15 Million in NCUA Insurance* per Account - Business Wire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxObWNka0d2R3VXQjJJbWpLdVFGN3hhbkJTWEVVLXhxX05TeFNFdVlxb1RJbGFoa3J6X0gwQmVaMV9EOUtFZElqdElkSzJnS3RwckNTblljUkRlejlIcThxcUZEWVV6ZW45aVg0NUdqdHotZjBya3lFU2JiNVp2aFhzeTVqZ1UxRm9FblFtVTdkMTZoNnpKOXpPLWY5NE9NcXhEQUZZWGVQM1VSY3I1THZadlZNYmk2ZzFPcU5mY3laNjlJQ2FSdkJxZlBZMVppRXNvcEI3bThXMUh6d0RCQk42UERoWXJNQ0NjYW44TFI3V180LU9ZMjdSYzBBQTVQUQ?oc=5) · Business Wire
- 2024-07-30 [Heart of Louisiana: Castle Tree - kplctv.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFB1NEtNMGhnOXhPTmFBcGdULU92RFd0eHh1c0tIRGpHbmFzeDRsMnp6TGprN0szOFlmSnJfZVNpNVZhRy0yYkhlbGpDVmk0RVpSczlUZG51TWhIc0JtVjZua3dpVzh4WGNrRk1GTVlVZ9IBgwFBVV95cUxQVUhtQTBZd21xbFRvRVRVaVh0UmlORkNXNlZiWXRUWS0taHRmQTdZQWVzcXYwc1AwLTZTNUZ0S2kwREdBb1RGa1BlOHNzd181MldKdmZTSmsyaDl6Zm4wUmNZNXo5TXV1QS1SclZUQmcwRHNoVDRpUGJ4dUlmdWtqMkxMUQ?oc=5) · kplctv.com
- 2022-08-30 [Heart of Louisiana: Lafayette’s Cajun Farmers Market - fox8live.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNWTVmQ3BDcER2U1Nua3Fmc2VraDcwakktRWRTRHY4THo0SG9ZWmlITFhVcDVIbDZCLXZtZ0hUeG94dnFJMERGbDJ5VnlWSmI5SzJwQXpkN3RVU3I5R1NDeVlVNUVOZWNweDJoZFRpbGZKRXlsYnNuX2laRTl1UGZUdHZxWTB4dloxcUh4LdIBoAFBVV95cUxQMEJXbG9YRDRMd2tlTF9lTGo3dElybHZnVmFTOElsVk1QbHFwT2FDZzRDNzFOSEZiYkgxOVA4V2JTLVNxalJteFpOem1lM0hla3hadlhHbXhqaGxQanFWQU1ZeEgydmhtUWxLdVQ5dnB6Vjl4VG1IR21BNHFKV3ZXblM2MDgtMGRQWFFMSlQzREt4OExUNUhJMmpWeUxnemYt?oc=5) · fox8live.com
- 2025-03-18 [Heart of Louisiana: Landscapes - kplctv.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBfUFIzRHdrdDY5aVJPSHZ5b3UySklPOXROZ3RBaHFDZWkxc3AxejF4U29UNUpyVlZHOWl0MTA0VFcySTdlNE9JZGcxNjEyVmhzNmRUU3g0SEpMeVNURHVleEhlMTNqa1Y4MGt5WDhR0gGCAUFVX3lxTE5LT1NwclBTRTA5YmExaWVrYUxRanhpcFlkd3dUa00wbm51YXBiVjY5TDRiQ04tZmdEbHJQVFN5MWsyS1N4ZV9HZE1SYVcwOFBtWHAzdzhJeWpjekM4ZVlZbm51U1MyUVNnQVlNN1gyUlBRSGp6dHZldFVXWFlscGVFSWc?oc=5) · kplctv.com
- 2019-09-20 [Want to know who won Cenla's Choice? See photos and awards - The Town Talk](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSUtGUkdPeFk1RDdUUjZWSEFmUGpRUlU1bFRLSFhGeWg3c2xnVXNGWkc1RlBhNTNOb012V1JReHo3TklHVmpZUjdrUUp3NVdyUXY3aHZ2RS1Ubm9BTkRmZ3h2akVJal9wWENST1gzY0Z2elVOeWozLWVUSUgwTTRaM2tMLXI3djc0YjFNMnRSMnZnbGg4YjFKWU12TDhmYTM3dkMtcHBZUE9ldXdKWGJHcjhpanVCQQ?oc=5) · The Town Talk

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10164 (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/52.json (key "10164", 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=10164
- 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