# IBERVILLE
PLAQUEMINE, LA · NCUA charter 12356 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/iberville-12356

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated, minority depository institution. 2,116 members of 40,000 potential (5.3% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.4M |
| Members | 2,116 (3.6% YoY) |
| Full-time staff | 4 |
| Net worth | $1.5M |
| Net worth ratio | 18.2% (p67 of band) |
| ROA (annualized) | 2.07% (p94 of band) |
| Total delinquency | 6.64% (p96 of band) |
| Net charge-offs (annualized) | 2.59% (p95 of band) |
| Loans / shares | 52% (p42 of band) |
| Cash / assets | 44.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.33% (p91 of band) |
| Operating expense / assets | 8.30% (p96 of band) |
| Vehicles % of loans | 86% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 7.20% (p96 of band) |
| Vehicle NCO | 3.04% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 5% |
| Average share balance | $2,378 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $6,146 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, delinquency 2x band, auto monoline |  |
| 2016-06 | 4 | repo signal | delinquency 2x band |
| 2016-09 | 2 |  | losing money, repo signal |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 3 | members leaving | net worth falling |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | net worth falling, losing money |  |
| 2018-06 | 4 |  | net worth falling, losing money |
| 2018-09 | 2 |  | members leaving, delinquency rising |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-12 | 5 | delinquency 2x band, delinquency rising, members leaving |  |
| 2020-03 | 9 | losing money, margin squeeze, repo signal, loan book shrinking |  |
| 2020-06 | 8 | net worth falling, charge-offs p90 | delinquency rising, members leaving, repo signal |
| 2020-09 | 10 | delinquency rising, repo signal, members leaving | charge-offs p90 |
| 2020-12 | 7 |  | delinquency 2x band, delinquency rising, members leaving |
| 2021-03 | 6 | members leaving | loan book shrinking, repo signal |
| 2021-06 | 6 | delinquency 2x band | net worth falling |
| 2021-09 | 5 |  | delinquency 2x band |
| 2021-12 | 7 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 4 | net worth falling | losing money, margin squeeze, delinquency 2x band, delinquency rising |
| 2022-06 | 4 | delinquency 2x band | net worth falling |
| 2022-09 | 4 | loan book shrinking | delinquency 2x band |
| 2022-12 | 4 | assets shrinking | loan book shrinking |
| 2023-03 | 5 | delinquency 2x band, delinquency rising | assets shrinking |
| 2023-06 | 3 |  | members leaving, delinquency rising |
| 2023-09 | 3 | delinquency rising | delinquency 2x band |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | delinquency rising, charge-offs p90 |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | charge-offs p90 |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | delinquency rising |
| 2026-03 | 4 | charge-offs p90 |  |

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

- 2025-10-21 [Baton Rouge man faces more charges of bank fraud, arrested in Iberville Parish - Unfiltered with Kiran](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUDRKUHpFdnh6S05kc21iV19xSnAzWVJiajFDbU9SQlJxTG0yaVgydnJmbFBfcXNTMzNNVFRyekh0VDJEVmVxVWRMVXp0RFk0S25GcEdRTEQ0anhLQWUxSXZOWEc0WXVveWZsNTJoS0t6eDJvT0JNdUtXTUZJV2wzYm5xeWdVcmRGaEJLUjZOaHZYVTB4c3VDMlIyeEtzZENv?oc=5) · Unfiltered with Kiran
- 2026-07-27 [Candidates prepare for Iberville Parish elections - Plaquemine Post South](https://news.google.com/rss/articles/CBMitgFBVV95cUxNU0hVazJoaWwtRGlCNzQwSkU1TWVFaVNsR0pvRmRVTnVHclg1N3Q4SHV2cWZwQkNJRmpZU3dhV2NoYjRzQUxEdnpZWlhnTERsU2k3ODhhRjliNXE4V2tKRENlZERhUEU3THYzRno1SkJBYXRXOTFkeGdYaldfTVZaNU5raWJsRW5oaGNpR2FiNlplZnlDNUppdVdGZjFlWnpURjRlMlhXdjNPS1hEUnBMbDlBdU82QQ?oc=5) · Plaquemine Post South
- 2022-08-27 [River Parishes Community College Foundation announces 2022-2023 Scholarships - lobservateur.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxPSkJISTByNWo1akVXNDlJQzY3d2gxSzhrUXhwYV9rR3NwREZwWGdIT2FwQmF5V2lTYlBGQ3U4ZTE5cThzSFl0ZzZoc0RjVkRYbmcySUxMOFpoRU9wM3dMX2hrUkhhaDVLUm05UW1Vekx5eUVpYzZSaWFteFFEWlE0Z29IY2l1YkN0ZXMtUGk1TjNOTEtBdVp2VmN5eVdKY2pFQThCOEJNUkZWRERNdUNDSHhaMA?oc=5) · lobservateur.com
- 2020-10-07 [Eugene LeBlanc Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPYnJxcHVjRFpvMlVKWWlFSVFOaUxaLVNvdjkxam80ODRYSHg3a2k3Q2tNazkyaUVscjNTbDNkTFY5TDBqMW9vY0E4ZVd4SEtqUW5VZ1QtQWVfZlR6VkNaZHdIbHJPZ215WDBZQzlXVUhGNmdHNUN3MjhTclZIdXRleG1PSElXa2c?oc=5) · Dignity Memorial
- 2023-04-15 [Amanda Anderson Grace - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVFYwYzhfYURXb2oxVG81WE1OemNIcm9wT2U2VmtTeXNmM1FjT2l0VERZb25VOERCbmc0bnF4eElnLTJmRjNLTk1peF9TUklXZnNfUUJXYkxSMGc1QU1VOXNzQ2phMnlJT1FGcjFLbmNoZnRmbGRiZHhEbUFJbEFyQ0ZNcm1HVFBuekk3cEpTMA?oc=5) · legacy.com
- 2014-04-21 [Iberville Chamber of Commerce hosts 16th Annual Golf Tournament - Plaquemine Post South](https://news.google.com/rss/articles/CBMipAFBVV95cUxNR1dfSmE0dUp4Y2FRQzlTVlNqQXR3eEl0cU5ONTFjR3hRekdKc1VvS3dMN2hnbHljc1ZTSU4yeVJxWENnT3plc3pLZ1JYZ3RhWGZlNjdxaTlKZUk4WWFSS2J1M3F2cDFKZjBqa2VVczJzRzI2TDFobGZEbjlEOFRDSWozdEVkcVVTZ1RGa2xJV0JjbmtpSlN5cEhYaVFFVWxjdUFqUQ?oc=5) · Plaquemine Post South
- 2022-08-23 [Alexander Carter Obituary (2004) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNSExOcWk1MXdaeDFwQzc0NlpCdzJ3VHFFX0hZUmI0QlotcTg5WnBKZVpNc1ZOcWtsaXdzS0I4ZzIzZjVnSTM0RENaS01ueEFtZlJKNGNDX3hjeHFVMnRWSDB6aWdPNVp2Rm9TSWNoRVA1ek52Q244YndWR1ZFR3VEbTAycDlrT2hnNEZNR1ZsbUR3YzhTeFE?oc=5) · legacy.com
- 2020-07-31 [WILMA REAN CRAIGE CUSHENBERRY - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOVElYT3NoMHRjNUFjMDhMVGxmc0pfWjJxcDkxZ1dUVXBZRnFrVHBBdUJLb21DSm5aX0hHWkF3eXVLUVhBODdRZ19NZDVjZ1J5UnZBN2FndXQxbDlNaEpUSjktMFdYeEFqMGszUHltZFItS3hJQWhYZkpIcW8zejRkTE5fekFkSENIWllFcmg1MktfMXpq?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12356 (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/4.json (key "12356", 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=12356
- 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