# WYMAR
GEISMAR, LA · NCUA charter 12330 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wymar-12330

Who the members are: federal charter, manufacturing (single sponsor), organized 1958. 5,133 members of 10,000 potential (51.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. 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 | $164.7M |
| Members | 5,133 (0.8% YoY) |
| Full-time staff | 15 |
| Net worth | $26.8M |
| Net worth ratio | 16.3% (p88 of band) |
| ROA (annualized) | 1.33% (p84 of band) |
| Total delinquency | 1.26% (p82 of band) |
| Net charge-offs (annualized) | 0.20% (p34 of band) |
| Loans / shares | 80% (p72 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.16% (p22 of band) |
| Operating expense / assets | 2.27% (p9 of band) |
| Vehicles % of loans | 26% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.98% (p70 of band) |
| Vehicle NCO | 0.46% (p46 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 35% |
| Average share balance | $11,660 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $99,378 |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $37,896 |
| Loans granted, annualized | $30.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $99,378 outstanding purchased (0.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.0% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2024-08-01 [Stephens retiring as Wymar FCU CEO, Wheeler named successor - CUInsight](https://news.google.com/rss/articles/CBMioAFBVV95cUxOQkpRVVZRSTFyQUdLMnZvRk1fY0VkQTlpNU9NRHkzRzJJcjNZdFRFYUtkNk9sYzk4MnA4WVVMNlpNLVJwWlRjM1M5d0RPWWk0NTI5ajBKWW1EUGU1R0pkUHViaWcxN2M5Tm1YVlV2UXVVMlBaY3oxYWRpdTRVZnNocUkzREdsWkY4dXhpQlkzMkVlNk5pVk4yWU5TRERjbXhj?oc=5) · CUInsight
- 2024-06-20 [John Colona Obituary Sep 2, 2017 - Resthaven Funeral Home | Baton Rouge, LA](https://news.google.com/rss/articles/CBMiakFVX3lxTFAxZGJrcFI3Zm1odU5qd0dFelRfcjZuUlVpejF3YVhsMHI5TVN1VzRKR3I3bEZzaE4xWG5uRzZhaFFkazlyZDZuX1JiOG9salNTNTlVR1ZlaVl5R1d3RzBxT250a0ZkV1BHeEE?oc=5) · Resthaven Funeral Home | Baton Rouge, LA
- 2021-05-04 [Francis Guillory Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdGxQMmVlZ0lvbTdCeEE0dm45R1FadzRvUGRMMEotdEZneTdKSFdOdUU1WjBTZk5YdDI5MWFSMnVpc3ZzZ1hWelZldTI1a3hjdTdZMUg3VmJPckdmN2FodktBQ3gwQmlmbFBiV0hPRk9yQXJqcERUOEExV0M3S3NXWjVqV01kT3hFaXZr?oc=5) · Dignity Memorial
- 2021-10-06 [John Colona Obituary (1983 - 2017) - Baton Rouge, LA - The Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxOcnBsdGR6cHdHUXpXRUJhMWxlRXZwcnR4dG9OY1hjX0p4Y2o3UmNmTlIyY2JLWDhsMWI2MEZFR1VuZ3ZHeUViRE0xRXlWSHE2MU5PSThiRi1vNGF5Q2syamZSMW1WSlJGUUdFdmREdkF6dU52MFdvSXVrYlZlOFRVUmlvQ3plUHdQYkt2bDJQcw?oc=5) · Legacy obituary
- 2016-06-08 [Ascension Parish civil cases filed May 9-20, 2016 - The Advocate](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPRmdDTjRtOERQQlRSUGJFam1kLVo1cnFQTHNBdEJwTGNsNExSdUpzQko2VVFKVUQzOGQtNzZ4QzFLR1NKY1VWMm96b1gzUFgwWjI1MDVMRWZLTTh4eThOVnJiRV9kc1hOa3FfcXpqTW1leHJ6enpySjlIbzhpRTF5TnEzQnl0QUpPRkNiUWtlRVNsQ1Z5emFPVHdINXFrTGhNZk1KaFNfRXBvSWF1SUhPQjBKeXNWeEw1bktQN2I2cm9NOGMxdGp6aUZQNTlESlJlTjZEY0Z1Q1JtTl9SVF9WcnBXTERpNUNHN1lnSVNCYVl0aUMySHktdQ?oc=5) · The Advocate
- 2014-07-22 [Janet Bernadas Obituary - Gonzales, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZ2JXNEJSS2VucHpscmZpQmQtSkxZNll0WXlfWXg5MngyRF9Vd290ZHNLUlg4ek9OM0ZnYks5VkRlOVp1NzZ3OEhKekMtTmk4VHJfUGlHQ3pNczZ1a0FncmFjM3EyQ0NDWU5SZTJ1VlRMQ0JCaTZVbTM3WXFmS2hiaVJEbw?oc=5) · Dignity Memorial
- 2015-06-17 [Ascension Parish civil cases for June 1-5, 2015 - The Advocate](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOVVVPUC00LXk4LVk2YXlTLXFWOUxQY2NpVnJBV2lxVDFtYmtlbV85dmc1aE9OMTdHanBPbmg1RnhNTWhIcUVQT2ZZQ3Q4VGZXbDBKMHdvSkFEY2YyZkRPdV9kc2tkRTJ5RlJONUxfODVGcHk4b2pmeDB5Sy1IeEhQRzEzYy1La3A2c2RFbFF1bXVFd3l0TjRwWW5rb2hqM1Z4ektFY0cxVXlEWE1CNk1PUm9lV29xdTFfNzdKT3loNDFZOUVCZlB5cWE2QTlEN3ZaZThfWVlDQmR0c3J1U2NGNF9BZWxsZ28wemJXckFYaEtjTWVDa3c?oc=5) · The Advocate
- 2005-03-18 [Bradley Langlois Obituary (2005) - Gonzales, LA - The Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQWdvTndQSnpBM3dOUkxndVRxV2JPWUFsZnQxbmVUWHhmUGc3eXo3Y0dhVU9PM0pDQlNNaTFEa3duOTlKSXR6MUFtNFNuRkR5OVM4bTJ5dXJLRTNRY3g2TnN0aEFoRjdPV2xieERUUlBqamRzeXROSVlnNnFlYXFKSE9RQndJTEhQY0xvNW9ZTktjNC1YLVE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12330 (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/42.json (key "12330", 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=12330
- 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