# ACCESS OF LOUISIANA
Lake Charles, LA · NCUA charter 10353 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/access-of-louisiana-10353

Who the members are: federal charter, community charter, organized 1955, low-income designated. 3,631 members of 203,671 potential (1.8% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $44.7M |
| Members | 3,631 (-3.6% YoY) |
| Full-time staff | 12 |
| Net worth | $4.3M |
| Net worth ratio | 9.7% (p14 of band) |
| ROA (annualized) | 0.06% (p26 of band) |
| Total delinquency | 1.04% (p63 of band) |
| Net charge-offs (annualized) | -0.02% (p19 of band) |
| Loans / shares | 62% (p57 of band) |
| Cash / assets | 20.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.71% (p12 of band) |
| Operating expense / assets | 3.97% (p59 of band) |
| Vehicles % of loans | 45% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.37% (p71 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 28% |
| Average share balance | $6,947 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $19,731 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2023-02-12 [Louisiana Credit Union League names board members - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2025-12-11 [Douglas David Fontenot Obituary Dec 11, 2025 - johnsonfuneralhome.net](https://news.google.com/rss/articles/CBMic0FVX3lxTE90OWlweWd2S19jYW0zQXRTcWFaZDRXVEo2OEFHb1pBMU04ZEZDY0ttczlTQU5pOVBpNG96Nk16X2tsSkdhRTV0WF9tTUhXVlhVcFNHeFlicVRBX1JTYjgyNVlUWGVxeGhHZkhLRlFLcUpiV2c?oc=5) · johnsonfuneralhome.net
- 2023-01-11 [Poised for growth: West Calcasieu Parish blossoming with new businesses, industrial developments - American Press](https://news.google.com/rss/articles/CBMizAFBVV95cUxOV2l4QU1icGtneURZdGJHbElYR2Q1LXo3YUxPbjZRbzIzcmNneFFKNkMyaUh4blNybDR1Q0Mtd3A2VjdUM210RXE2NGMzdXJDdUJZaFRIRjBfT2U5Q2tPSjkxNXp5bUxXQWlfaGRRaTJidUx4RERYNU1xN213bi1tSXEtM0NuenZsZ2NHVFZKYVNzZURKSEdxYmVHNk1qQVFKSU9fMkhoZE40NmN1dmdkeDdFdVFrcUJoU1NPQTFvMzZnaWdQQms2OHE2Mlg?oc=5) · American Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10353 (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/49.json (key "10353", 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=10353
- 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