# MAPLE
Lafayette, LA · NCUA charter 10241 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/maple-10241

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 9,464 members of 12,777 potential (74.1% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 47.

**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 | $72.5M |
| Members | 9,464 (2.2% YoY) |
| Full-time staff | 17 |
| Net worth | $10.9M |
| Net worth ratio | 15.0% (p70 of band) |
| ROA (annualized) | 0.84% (p59 of band) |
| Total delinquency | 0.86% (p66 of band) |
| Net charge-offs (annualized) | 0.57% (p75 of band) |
| Loans / shares | 83% (p87 of band) |
| Cash / assets | 25.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.05% (p72 of band) |
| Operating expense / assets | 4.19% (p72 of band) |
| Vehicles % of loans | 80% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.84% (p64 of band) |
| Vehicle NCO | 0.46% (p65 of band) |
| Repossessed % of vehicle book | 0.06% (p81 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 20% |
| Average share balance | $3,733 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $11,599 |
| Loans granted, annualized | $16.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 | auto monoline | delinquency 2x band |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | members leaving |  |
| 2023-12 | 2 | net worth falling | members leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | delinquency rising | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-01-12 [Luminate announces 2026 board officers following annual elections - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPdWN2M1FWcnBENk5kclhJUFJxQTNTbEUzMVhUMXg2eHlPNG5aTGh6Wl9pa19OZjl1Ui1hNG1MaVRNMXZ4WTRBMTZ3OGNWVFJ5cHFBUGhzLVlmZl94WmJVMVkxRUFGRHJ5Q0lQSXNFb2lRLTNWY2oxdGJTYjlsN2VVX3lKVXBUc1dJZ3poX0lhN01DdGZZalpLX2dsZmY0dEVfNXBESTEtRkUwUQ?oc=5) · CUInsight
- 2026-07-16 [NHL releases 2026-27 regular-season schedule - nhl.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBYb2NGbnlWTTZENUh2UWlBc0NRcGl6X21hbHA0VWNGaWN1bDBMQWV4Y1g3VDdDMFRWOG9qbk5mUkZ0YUFkY2h2d0VIZ245UEJ1b2c5eVpHdVhjWWs1VkRXOFFNVjIzY0Q4RXMwVDZqeUFRSWZFQ3pVOA?oc=5) · nhl.com
- 2025-11-14 [UPDATE: CSU weighs naming buildings after donors, sponsors in deals totaling $55M - EdSource](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOYmJ1a2NKeVc0bjRwTExqNkNzdHZ4ZHVuYWExSzdoUzBLLU9wOWdGVmQycENSdDJnQkVManlOUklKU1h3MWJQZnBhYkpmX0JSSlo4Zm1GaHNlS19oMDJzNk5BTGFnaHZYeFV4Z3Q4UDF4SGNXOVU4ODBvNzZXOHZkNXJTaWpyU2xSMkVrRWczSmNpcV9iZDRmMzY4WEM2QmQ1R3JaODBZRmY?oc=5) · EdSource
- 2023-02-12 [Louisiana Credit Union League names board members - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2025-09-25 [A Maple City Motorcade – La Porte celebrates its 2nd Saturdays! Cruise Night with Vintage Cars and Downtown Festivities - GreatNews.Life](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNV1JlQUxjaGNuREQ3R1ExSjlBbXNOWTFpYU10ZV85XzhxTVBKbzJMeUxXdGZmeXkxWnJIQ1c3ZlljNGxuTXJ0bjh3ejVIVjlKeW9ESUl2RWhJZlVUWkZoOWphRERjTWRlXy0zRmo0QTRSSzI4cXVncG92TUxxNzQwbm5OYXhjRkk3U3hBaGhPamFJYWJraEFUZ1hlNlhGNDlxczlyWTlGOU9lcHVGNTBkQTF2MHVoTmczenhDd1VyUGJSUk9TQnI1d2Y0Yl9LQ3BDUTUzbjgxSlFHSGZxQjBPbWRn?oc=5) · GreatNews.Life
- 2026-01-12 [Margaret Kidder Comeaux Obituary | Martin & Castille Funeral Home | Lafayette, LA - Tribute Archive](https://news.google.com/rss/articles/CBMif0FVX3lxTE1MWldRcUV1Z1dkeHBfd0hYNlNDVlE0R2JfRFduUzg3a2FMTEZubE5la0pzeXBoRFQwbV9Wa2FlUmxOSFVGUnJhX3RLZlNwblRpUk95dlBpcG9rdWdhSnJrYzBHTnFBQmdNeUhYYUpVTlFNWEhubGljNzFHQVY2WG8?oc=5) · Tribute Archive
- 2021-03-18 [Trust brought Maple FCU to Your Marketing Company - CUInsight](https://news.google.com/rss/articles/CBMilAFBVV95cUxQR0ZnUVNnbURWekVUOU5DYVJrTlJxNlNUWU5FY21KTzRud1J3eEYzVE5yeGxKUjBHTVprMkR2Q1QzNDlYdDc0UU9PWVdmZGpQY2ZMdlJCMGZ0elo3TTczR3Vod1VfWi1nX2N5cVRIRE15aTY0TUlrQ1l5OHI5UGpqd3RpM3B1QVB4UTJSMkFWekhrYXFF?oc=5) · CUInsight
- 2019-03-07 [UW Credit Union launches new brand identity - In Business Madison](https://news.google.com/rss/articles/CBMidEFVX3lxTE1Lbmd6eFdLM3FHeGFuYVpRWW9RR3BTSElLYWJESHNYWTRTaWxFN1FKMGdBZElMWTJaQ19Ib2V0TlhXZzQyS29wZFlFMXJpcFlvaTRKcHNySmlhbEtLNF9RQ0ZwdlNlY0lBRTdSRGMtTlpHcHFk?oc=5) · In Business Madison

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10241 (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/1.json (key "10241", 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=10241
- 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