# RAPIDES
ALEXANDRIA, LA · NCUA charter 12225 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rapides-12225

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated, minority depository institution. 1,162 members of 3,000 potential (38.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *auto monoline*. 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 | $6.2M |
| Members | 1,162 (2.3% YoY) |
| Full-time staff | 2 |
| Net worth | $1.9M |
| Net worth ratio | 30.1% (p93 of band) |
| ROA (annualized) | 2.79% (p97 of band) |
| Total delinquency | 0.82% (p57 of band) |
| Net charge-offs (annualized) | 3.27% (p96 of band) |
| Loans / shares | 79% (p80 of band) |
| Cash / assets | 42.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.71% (p94 of band) |
| Operating expense / assets | 3.11% (p34 of band) |
| Vehicles % of loans | 83% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.99% (p64 of band) |
| Vehicle NCO | 2.73% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,700 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $11,202 |
| Loans granted, annualized | $310,224 |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2022-12-01 [Obituary information for Ralph R Gill - Hixson Brothers Funeral Homes](https://news.google.com/rss/articles/CBMid0FVX3lxTE1vdlJ2M1hpLTRvaVA0VEdMSmlGVHZaXzc5dDJIMTRJdkVvYjJtNmI3akJYUUQ5OE1CQTAxR0hCaDZXVWpRZjc2TnJoazVpS0dZdkE3NHB0TTFWdmFQaTFQc2h0SDA0UUdLQVNuOXZtZklBbG9oby1N?oc=5) · Hixson Brothers Funeral Homes
- 2025-09-05 [The hidden cost of Credit Union bank purchases: Louisiana communities stand to lose millions in local tax revenue - Rapides Parish Journal](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPcENPY01wTlpuUDIxclo4UmktcVZyby13cDhVMkUyb2RjR0ZmSjRHN3NUMTdSZWpSMDhiRjQ3T3BNdERsZ1RESHl5VENabW8tWWFuMjd5RVpiRHVZaWFTb0NPY0RkUlUtWWotSFQzVWVkcEhteVM4MTZhWGw1OVhna0hkVHROXzFDUFgtS2NZbHFVb2MyM19HSUZWQVlWdkxmdWtNUmRLYXI3QjRZWFhHT1BRZFAxc1B6dXprLXotV2lUVWZySHhyaHE0UUhXM2Q2UDlZMnVkU0g1SGJyZElQZVRJQzJCMmpUSm9ERDF3?oc=5) · Rapides Parish Journal
- 2021-10-21 [Rosa Mae Scott Jones Obituary - The Town Talk](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9WRkNCSWwyZVNveElWWTQ2LURQb3Z3a3h6U1hNTDJGX2NRX0tJSUdFZ1FmbkdkVFZBR1NPbXU4czNTbUVJV0o0ZzRGTkpnSFh2M1Znc0FYTDkyRHZt?oc=5) · The Town Talk
- 2019-03-18 [Mike Johnson names Bonnie Lemoine as Legislative Assistant - KALB | News Channel 5](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQODNJUS1tM3U1NXlDUFdOMjR3OHV2cnhRZ205cEFkaVBrRGF2bU95NFp1WkxBRzJacG1mWloyX0pDa2Q1Q1dCcEJ1cjVGQXpSa0hiaWViTlNLWTVwYmtOYlZvTU0zS3N5aFdRTXdtSTkxZ0F0b1Z6TTZ5WDZpbDNodS1xcnpoNmxlalR5dGM4RGY4MjZGY2J6MUtpWVJkYjVoZmR0ZDNBLVB1eWfSAb8BQVVfeXFMTXh3c0xpaUF3WDZxWXNmTnZCYWtsR0RCNTJQZU9fWENsS0Y4cDNhanVvOVJoNUxQUWNfek9vUDBrTEk5YlUwZVBGZU5MR1ZYcVF1akZtcWViWjFyS0txd21wVEhmNF9UWkN6RmRWZHlydTVDLXIxUzloTkVEbnF2c0hUZkZlZ0N5YnNWX29zQXJHNWhXWWxodE93UUsxU2tCN3ZwRk95Y18zSEE0Y3JGeHN6dWdCN1F4Wm40TE9WTkU?oc=5) · KALB | News Channel 5
- 2015-10-09 [Arthur Allen Obituary (2015) - Alexandria, LA - The Town Talk - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSmRzdVVpbmljSlhmWmN6ODVhMmpXY1ZsN1lqVEE0T3VPbWNscm5id0diZXgxWWFaSFg0Rk9rQ3VuY3lTbHQ4SUdrUHRuejFEcGl4ODNWSklEd1lUYkMydEhLYVB2Z0tUaUFIU0xEYzhobXFpMF9OT1NSOTYwcnpfYmtBY1ZWXzlJanRBMU9GTXQ?oc=5) · legacy.com
- 2020-11-03 [Obituary information for Travis Eugene Funderburk, Sr. - Hixson Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONlM0enRUT01KVmlyVjVlQnJKcTdFWWxvNWZmd3N0SWQzRkMzc3NnT21HR3pDSkdFR1Z6TDJhZUdDanlHSk1ldXdWbGpYSExqYWhIX0EwOUc4dDFtc3AwcjhnX0NNTklnNHloVVQtNmo4OW16UlpsRmowUkdOazVaZmlMNGhDVHJEMDNZ?oc=5) · Hixson Brothers Funeral Homes
- 2014-08-15 [Rapides Parish Civil Lawsuits - The Town Talk](https://news.google.com/rss/articles/CBMinwFBVV95cUxQajUxQl9hTGVYRHZPMTZ3Zl9wUXppeFh1Mm5XSk9iNDViX0ttM21POThfY3BHU1JLdklPMjFacHFHX19teGIwNWhiUDlLelBtVTdPS2NPbXRXdVZxXzVlSEQzUWM2U29Vb09HalBLalVIQWZvck5BUEh1VFB5MVpFQ1ZxQnlyNXN0Y3VXYlZkTl85YlFMem03dmtUSTdGQ2M?oc=5) · The Town Talk
- 2014-08-01 [Earl Cooper Obituary (2014) - Alexandria, LA - The Town Talk - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOMm8zMkFpeVE3eEdRX3FtY2V3QU9hT1JRaG9BalNxRmJvVFV6NURXcVE2bXd3MGRubTA3YjVGVzJ0TmdKOHlKWGh6aTExaFpEQnJQWnhWcGwwcEdHMk1Pd3NBUHdzdjBtMExhRFBBa2FxMUd0RjBGbXBHem9NMTg3RlkwQjBGaUZBRzRhcDhkYw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12225 (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 "12225", 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=12225
- 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