# OUACHITA VALLEY
West Monroe, LA · NCUA charter 10181 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ouachita-valley-10181

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 36,568 members of 414,145 potential (8.8% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *auto monoline*. 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 | $462.0M |
| Members | 36,568 (1.7% YoY) |
| Full-time staff | 125 |
| Net worth | $59.3M |
| Net worth ratio | 12.8% (p71 of band) |
| ROA (annualized) | 1.40% (p89 of band) |
| Total delinquency | 0.74% (p62 of band) |
| Net charge-offs (annualized) | 0.68% (p76 of band) |
| Loans / shares | 70% (p43 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p53 of band) |
| Operating expense / assets | 4.42% (p80 of band) |
| Vehicles % of loans | 62% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 81% (p50 of band) |
| Vehicle delinquency | 0.89% (p71 of band) |
| Vehicle NCO | 0.67% (p53 of band) |
| Repossessed % of vehicle book | 0.02% (p55 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 58% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 34% |
| Average share balance | $6,183 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.2M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $14,850 |
| Loans granted, annualized | $130.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.2M outstanding purchased (10.4% of net worth), $3.8M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 11.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 0 |  | expense trap |
| 2016-09 | 1 | expense trap |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 | charge-offs p90 | delinquency rising |
| 2022-09 | 4 | auto monoline |  |
| 2022-12 | 3 |  | charge-offs p90 |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | expense trap |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-10-20 [Six Houston men arrested in Ouachita Parish ATM theft attempt - KTVE – myarklamiss.com – Your ArkLaMiss News Source](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNWRPOEZzUXNZSHJlOWZKN0l6X21MNG1qNTJaN3FxeE00dW1JbG9vTlNYaHpJeHRIVmtfV0hIdEtWTUxTZVF3RUdUZTFSUXZPejVYMFc2YlpVZmJKdVFzYW9QSEl3c0xTWUhoV0FNZWdBbjVRRm5ZMk1BY3hfZTNaTFRlYzcycG12dWxVMXQ0ckJOa0pMSFhZSVZ1UVRXYzVPQVVtVmtPX0VNejDSAbABQVVfeXFMT3hUbDFhX1V1N0RnemIxTzhVM1dGWEY1WlV0cEpPTGI3RHROUEhMbFd4RXo0cFZfTU56alV0cFRZSjBweTctYXFfMkFQelBJNzFVWTFHU1FKUDZCZFluVnhLcVZwc0pTcXVoSWM2N2JkTE5PZE40aDY1dVp0emVDSmpnb0g2a3FVaktKNUJ0ckdXcG1zRk52NHBkM2N5NktfZ1pHYUtFeWYwRFhQa1RyMVk?oc=5) · KTVE – myarklamiss.com – Your ArkLaMiss News Source
- 2022-03-20 [LCUL announces Marlon Owens as first-ever Emerging Leader Award winner - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxOak9pZUhxTjA4bmZkaTJoRnd1QlJrNkdFeldDS25YXzF2YmcxNUF1TjRHbGZvSkdEUTI3WExaTzFEaDBhemFWanVBQjJCOWo4a0M3dEs2WlBsVDNUMEVvbUZVU0tRZ1ZkQ0t2cWYxUFdHS0o1b1hPRjI3eWxEUlBzc0h4MWRpWVpfVklhSkhVTkJ5b2ZnVEl2Nk5ZSTEyT3VESEo5aVZ6NW5lVHR6UjBLeg?oc=5) · CUInsight
- 2022-05-03 [Incendiary device used in Monroe ATM burglary - KNOE](https://news.google.com/rss/articles/CBMif0FVX3lxTFBMa05jNE9DMU56YWhseVJPRmtkNGFxM2NFc2UwVXM3NzYxSnF0QnY2M0E5a0dXVlNrRWV4a1FGS0FuRlRJUml0NmJWUFVXSEJuR0xtLV9uUFRsQmlVaVhfaGpoVjRuWjBybU5VUHZaUUlId0c3alVLenI2RUl5TEXSAZMBQVVfeXFMTjlhT19xTmVzbGNmaXBLMDZnMVdOZDFzZzAwVHFsbFRKQXBjS3hVWUJTTm1UY25KVzlJRUdTWlQteDBDWTdQLUkzNV9aTTFIR0JzMXhHSkVCejNfR2VoUUhrZGZIdU01MEs4ZVk2aEpKNkNSX3lJbl82Q2JEZFpaMFFiNFF3SFlrdFYzTW94Q2tEOWd3?oc=5) · KNOE
- 2022-10-05 [Jessica Van Priest Obituary Aug 14, 2021 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE16dnFUYmgzRjBNWTVTdzM2dTdOU2VyZmhTOTlZYmY4WGNSVThIZjhubVN6WnJDeHpuTVczZEZxMVR0WFdKOVcyMVdNZ1FrYW5SQ2NMYjlGQU1QQU44TjBXeHB1NUs0a2VIb1hrUTZ0cmZMNlk?oc=5) · Mulhearn Funeral Home
- 2023-05-26 [MLF pro talks Bartholomew Lake bass - louisianasportsman.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNeVF4Z3BZU1lsYTJGOG1jeGxVcVNhMVRGSWEzZ2N5dUNSWXo3TkE4Zko4ZGZpV0VjV21DNmVjQ0N4c3VVMll4TXVfdkFIN1JCZ0lXTXJ6bUs1VlA2eUhTLWttNHduTFZheXpxRFpDX3N0dUpzNEdMcFp1WnR4cUVSOTRzRDN2Smt0VDk0UE03Q0dpZ1BTTno4?oc=5) · louisianasportsman.com
- 2025-08-10 [Full week of activities, special honors part of Bayou Jamb week in Monroe - Crescent City Sports](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZFVCenBZNkZTWkNjMy1ka2YwU0E3NE9LSV92TTZubVhIbWhSU19qdTFvcV9WMUNkalA2dlp0X3RrZFB2bVlkRlhhMXpjak1JQklYQ2w4T3NPc1lFWUdNdVhkLUE0bWg2T3ZRbDRXVnlCVmVOdGF3NExOY3V5eVZqYkd3VnVZTVp1NnU2OW9UMnBSNkFtRWVBU3ItckFiS0Y0WlJSWk5scw?oc=5) · Crescent City Sports
- 2023-12-11 [Christopher Alex "No Nav" Chambless Obituary Dec 11, 2023 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE82bWVpWTNXZTZOcGdxWllYU3ZmVUxGT2g0RjlFelFaTkt5RVVQbk1EWVlvSW1wb2RaSUNqSUFFVkVBTjNzX0FuME5NYzV0YVA1QWFqZEgyZk9xcGl6am9CRWNRbG1CTVNGREltZ1FBb0FnRUc1a1NF?oc=5) · Mulhearn Funeral Home
- 2022-10-16 [Stanley Dale Liner Obituary Oct 16, 2022 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFB2Z2dvcnhCTnNzcXV0ejNfWU1vMUxNNi1oNzcxcXRBSE51d19UT25qOWs2RUNhc3ZGRFgyV193R2I5NlpiLVduNHM4VWlOYVNfVzU4bndIRVRrbXFkcDJDelBRajdCU0V3Q1FGcA?oc=5) · Mulhearn Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10181 (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/5.json (key "10181", 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=10181
- 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