# ST. TAMMANY
SLIDELL, LA · NCUA charter 11942 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-tammany-11942

Who the members are: federal charter, community charter, organized 1957, low-income designated. 7,818 members of 15,000 potential (52.1% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 72.

**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 | $47.6M |
| Members | 7,818 (3.3% YoY) |
| Full-time staff | 19 |
| Net worth | $6.6M |
| Net worth ratio | 13.9% (p43 of band) |
| ROA (annualized) | -0.02% (p23 of band) |
| Total delinquency | 1.32% (p68 of band) |
| Net charge-offs (annualized) | 2.08% (p93 of band) |
| Loans / shares | 73% (p71 of band) |
| Cash / assets | 28.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.68% (p79 of band) |
| Operating expense / assets | 6.70% (p93 of band) |
| Vehicles % of loans | 78% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.16% (p68 of band) |
| Vehicle NCO | 1.69% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 21% |
| Average share balance | $3,283 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $5,300 |
| Loans granted, annualized | $7.7M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | expense trap |  |
| 2017-06 | 4 | net worth falling, delinquency rising |  |
| 2017-09 | 2 |  | net worth falling, delinquency rising |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 | charge-offs p90 | delinquency rising |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 6 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2019-06 | 3 |  | net worth falling, losing money, delinquency rising |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 4 | delinquency 2x band, charge-offs p90 |  |
| 2020-06 | 6 | net worth falling, losing money, margin squeeze | delinquency 2x band |
| 2020-09 | 4 |  | charge-offs p90, net worth falling |
| 2020-12 | 5 | delinquency 2x band |  |
| 2021-03 | 2 |  | expense trap, losing money, delinquency 2x band |
| 2021-06 | 2 | expense trap | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | losing money, charge-offs p90, members leaving |  |
| 2022-06 | 4 |  | losing money |
| 2022-09 | 3 |  | members leaving |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | loans>95% of shares | charge-offs p90 |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 3 | net worth falling | loans>95% of shares, delinquency rising |
| 2023-12 | 4 | charge-offs p90 |  |
| 2024-03 | 3 | margin squeeze | net worth falling, charge-offs p90 |
| 2024-06 | 2 |  | margin squeeze |
| 2024-09 | 4 | assets shrinking, members leaving |  |
| 2024-12 | 6 | delinquency rising, loans>95% of shares |  |
| 2025-03 | 5 | losing money, charge-offs p90 | members leaving, delinquency rising, loans>95% of shares |
| 2025-06 | 6 | net worth falling |  |
| 2025-09 | 7 | delinquency rising, members leaving | assets shrinking |
| 2025-12 | 4 |  | losing money, net worth falling, delinquency rising |
| 2026-03 | 6 | losing money, delinquency 2x band, loan book shrinking | members leaving |

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

- 2026-04-01 [HERITAGE NOLA BANCORP, INC. ANNOUNCES COMPLETION OF PURCHASE AND ASSUMPTION TRANSACTION BETWEEN HERITAGE BANK OF ST. TAMMANY AND ONPATH FEDERAL CREDIT UNION - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxOVjk1ekNWNmFXbTlvQnctRzFfdkFuVGdzbVJCR01jY2RCdjJqYWtEODlMTEJqM1JVN3BoYm5LWjlvRkMwT3FqME56NlJhSERKSFJKS0gweDBnWER4X3h6aXoyc0U4MXFKX05aX2xyeXdtR0MycGVPM3h1d0FvRlRTNWhPaVoxaVk5OER6clQwZk9Qc253clFSWkx6SExkbkxVU2c?oc=5) · Yahoo Finance
- 2025-07-24 [OnPath Credit Union Expands Footprint - Biz New Orleans](https://news.google.com/rss/articles/CBMickFVX3lxTFBONGRTVDdtMVptcjNQd3VEQV9CeUd2SjAtUFJvYUgtYWNvVWxkQzlreVFWc1dxcl9kX0ZuM2doVEtiVVNya3V4YUNGOWRoR2p5TmpmbWp0QTlZeFBseEJyNFZyV2hucXd0d3RYM1h3Xzk2QQ?oc=5) · Biz New Orleans
- 2025-12-21 [Q3 Credit Union Mergers Signal Scale Shift As Acquired Assets Jump Sixfold - cutoday.info](https://news.google.com/rss/articles/CBMisAFBVV95cUxQR0ZfdkFBLXFiT1hKZnd1WS1BMWQzblJBajFLeVNDeVA3NHRyWWtyYm1BVktWTWZwRlVyc0RTOVZaa0k0cDR6YWNYdGFKdE1MeS1YTVFZcjl3OU9nYlpZWWVtVXA0U1didFFVMUhxVFkyMHd0LVpod0w4aWg5VW9fS2FXOFU3U2tuVUdFTXpERDhMdWp6UWp2c3YzNXNFbTVXSVV5U01kTlJ5ZW1hYzBnVA?oc=5) · cutoday.info
- 2025-07-25 [Louisiana credit union to buy in-state bank - Banking Dive](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWDNSX0lLTU5PYVZKa3B6bXdyb2l2ZFhaWENfQW1XM2hQTzVLaW5zMHVNS2M2NEdZM0NsWlRXM1lld1VKejJtWVNpblNaUFJvWTJEYVMtemdQNmlNbVBmUng1UmhldC1adUFJZ1psZTFTYmFFaGJobk5FWGFGNnFiYWRlMDRxaldSTmpvTl9SMlNQZ1BTT0VQRU1VOVlCTVVPV1hvekE1a2lkMENOSnJhTnF3Q0U?oc=5) · Banking Dive
- 2025-07-25 [OnPath Federal Credit Union acquires century-old bank in Covington - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRnIyUndXMTVsUWxwUnh3anFZYkpHOFZ6dDYwXzRzWkhXNm9EZkduRUk4blg4d1NCcEU4SFRnSGV1WmM5am5ZalNyWWYwQVEwb3JWY2JSQk1Vb3I3UERoNjZHcUdUZXNiR0ExVUtnVU8xeEhOSUFPRTRPMnpnSU1YcHQzLUFyb1hwVHEwNWhqNEFkclk0?oc=5) · New Orleans CityBusiness
- 2025-07-24 [Credit Unions in Louisiana & California Plan to Complete Bank Acquisitions in 2026 - CUTimes](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPOFFjNXdCcTlERWVDcUR1MXd4a2R2VVk0X2U0S1A2eko5R0JaSTlwN0VRa3VsTEg3SHJyRFUtQUtJcHBOUHU5UUF0b21VZzYyWG5GMjRQbWV2RmxNc2MyLUNyQU9kUU9kQnFYNFNhWUQ3Z1ZobnUxOUVyS01NbHJPRHhNdjF0MlU5bl9acXdpVzlpZ2FQcEIwNFl0RVZFNjQ5WFRSQmU1S1pEOXpHYlF5NnJHTDVHbjU3?oc=5) · CUTimes
- 2025-03-05 [OnPath Credit Union celebrates grand reopening of Covington branch with community leaders - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxQZFoxVVFtRWQ3c3I5VnlfVnJFQjk5LUdzSHpEQnJ1X1JYMlB0UWpJdkNSdTFUSzZQSTltMEx6bmE2ZmNJbFYxVkVUeWdYM0pORjh0RF9LTkI0aE9xUWNnZzIyZ1hyNFFtRTVXV1ZteGRiMzJmaVZxMVBRUGNuMW44OXo5R0tNNUNOSXl2ak5KcXJ3ZlEwN1RFWUhTRWp2eTlUcWRCWDJRUzZLcERQZDNGSFF0U0ZDOXZXSGVIYWlkTlpZamNtN0Y1Mk5B?oc=5) · CUInsight
- 2024-04-30 [OnPath Federal Credit Union to open new branch in Kenner - WGNO](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPbWJpZGFQTTFHV1RtcDNtdncyQ1k5OWM3eVJXV0JldFZIN2w1bmRvMWx1Rm1Pb1dqb3lJV0RwcDBDNDhiVzQ0VmRxLWgxR2JaYWFkQW9JVFlUNzJoOTc5MUMxdTFRUlFOdGdTcUZ4SXVhQ3ljcldudjdUOWZpSFBVamxSS3EwOHd4TkpWUl9jWWxOV1g3dDV3V1o2ZWY1SlB3ZHZlXzdZUXR4Z9IBrwFBVV95cUxQTnNHNkhVZzZqZFYzM2dXazV4TktwQm5UZDlYRl9TMDhGcmVYT3ltRHZUbFlmcjBGNUdJN2tTMjN1TGplcEpTbTJsNjQ0MFhCOVlZanMwOGNKMC1DbTItT2FoVTlYZEh1T1pKYVNiVWZyZUhnZTJaSjRVd1pKbGdwd0tjbW9jallYMFBWRnJPbGt5dk1hSExTbUpFeHgzZzZUaGNLUlZLNVhJSld0U0w4?oc=5) · WGNO

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11942 (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/38.json (key "11942", 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=11942
- 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