# BATON ROUGE FIRE DEPARTMENT
Baton Rouge, LA · NCUA charter 1257 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baton-rouge-fire-department-1257

Who the members are: federal charter, multiple common bond, organized 1936. 6,427 members of 7,000 potential (91.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $81.2M |
| Members | 6,427 (2.1% YoY) |
| Full-time staff | 12 |
| Net worth | $17.7M |
| Net worth ratio | 21.8% (p95 of band) |
| ROA (annualized) | 1.74% (p92 of band) |
| Total delinquency | 0.99% (p71 of band) |
| Net charge-offs (annualized) | 0.00% (p18 of band) |
| Loans / shares | 79% (p82 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p56 of band) |
| Operating expense / assets | 2.91% (p28 of band) |
| Vehicles % of loans | 47% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.49% (p82 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 25% |
| Average share balance | $6,055 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $19,812 |
| Loans granted, annualized | $17.9M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 1 |  | assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 0 |  | loans>95% of shares, delinquency rising |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | loans>95% of shares | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | delinquency rising | loans>95% of shares |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2013-03-04 [Funeral arrangements set for fire fighter found in Belle River - WAFB](https://news.google.com/rss/articles/CBMioAFBVV95cUxPUE1aQUZQZ3pjVUZZOVgyVEFrVDh6TnJkd0RyNU5JOEdiMkR0czlzQkFGNnZ4WGlzTkhhVkxLeTdiVTRXbkoyU0UtNnAxQ0t0dHBuWEpKOXZ6X0RtR2FyS2EzUExjV2d6TER0VWZlRXB6bnpGMVpsY3pVWjRoNWxZUkNPd3oyVWs2cDc3a2N2WTRYNGlhZVF6RHR0b2ItRlRK0gGzAUFVX3lxTE9jaF9RR3ZMUWM2VEt2Z3BlbFFrMFJ6OXprVnJfZlZVYzAtLW1vc3ZsbXJ4V19NWXlTTU9QbHBjSm9zY2ZmVk1DTGI4M21aYlpBVnMtNkNOQ2wxZThaTlhscGMxRWU0eTExYkh3bEx1dUZZVXphZlZMaHpLYTRMa1ZONV96ZWYxM2VDdUNodThsMVBxUUlqd1JaUnFlWWdTLTVWMy1mZ19URVZ3bVJ5ZHRXcGxN?oc=5) · WAFB
- 2025-06-23 [Congratulations Captain Badeaux on your retirement. Thank you for your service and dedication to the State of Louisiana. - facebook.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOSHRaU1JfVmxZM0hDNmd3M3ZRcDFGeEhKQ2YzUXM3eFNzZWFYWHZBN0dTRGlSZVNuaDFsSGp2d2VaUjUtV2V5UlgzMDl4ekFVR3ZyWmxFcXlPS2U0VHUwQjBkam13VEJ4Vng3MUJ2X09iVkw1b0J5elFiNGNBQXE1ZlZxOFdFbGtqQ2RMWFhVbGxXYXk0c0tLVlowVHJ6VV9pMTRDQWNpVE52OS13YS1LNHhHLW5saEZ4cm14V3FsTWg3LTVVTXdrcUIyZWktVUlwZm5Id1FBemZPamJWc0RmX2ZLTGY?oc=5) · facebook.com
- 2019-05-31 [Polly Bergeron Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxOWjJ1ck5EeWNodkhFbWRUclhDanF6QWtsa2cxcmtCQ0lHWW9LOHd1cDVIV3NyU2FzdmF0MVp0SDF5cHhISWhIUWo5QV91dXBKUGV4TG5zcHkxeDFZbkoxX3RHRFYyejJMbGwtTThySFhnRTc0UDZhNzBRXzlFcGFSUEFlcmR0Ym8?oc=5) · Dignity Memorial
- 2021-12-22 [Wyndell Ricks Obituary (2007) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWWo2ckhtR0ZlQUtDVExlNVJma1JGTEItNm5ENi1GN292eXU3TUZ6YUo1dnRGTnRLN3F5ZFJ1VWw5Zi01RDNkVXVFbzZSTmFaUHV5WUpUSjJxejlMd3B1eXFPdXV6UG1VVXR1UkE4X0xDOUZ5bVZEXzhiTkRSWGdCVHJKa2FqTVo1X2FxaGFIY1ktUQ?oc=5) · legacy.com
- 2016-12-13 [Ascension Parish Civil Court Cases for Nov. 7-18, 2016 - The Advocate](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNdGVxRHZRV3p3VjVqNjgwZnlMcUdzd2tvQTliYkNnSzZ1MTVwd3VuWnhRb3BXMXkzYmVRRHljLUxyZTNUQUptRUV2NkpQZ3RPdkZuVzVZcjUwM3hmcDZDOFhqWEp2V0Y5X3h0dnRJR1RadmlxWVdjUTI5YzZSb3ZLUEhhZTJlci1LdHBUNUZES25WaXAxQ0sxaGJTWjRPZ2swcFEyUm1yUXNpQXdWbFBCQzVGVWNkTkcwS1RJb1k5SWdmU2l0SmI1d3RLV1pYT1hvTV91aWNYWjNYdGdYcnR3cnpHQ1NOX1V1U1NkWTVBSmVKVzhjQXN4X2FNMjFsZw?oc=5) · The Advocate
- 2023-07-28 [Joseph Major Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOU3dhSjZRT2lqZXhUcWJKNXFQeFJXUDFCa3R2c3otZmsyRE1nX1JadHNxZERRcEtGMElsbnFMSG5QcFMzNzhRTEJnOWRpYTlTWHlHQzBRS1QzbnFBNmNmaXhtQy1EQjlPNUhteEFxZ2hzcjd3X2IwZjhEaFd3NFZNQndvRFhVZw?oc=5) · Dignity Memorial
- 2023-07-21 [Delores Stafford Obituary (2023) - Walker, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTy1Dakp3Rjl4OC1fTllQMnh4S1FWWXpHNm1Bc0I2TmlYVXlOSHY4bVZFalF2WFRTRmhhOVZTY2c0Sy0yT2hfb2JzLWk4OW9EOTdVNkxlVFg4VEFwaGhYS2xsRkw3Y1RtbWZVYWZwRmFkVUFNRnQzVGRuZ1JDMnVGU1NkMnptdkZreU9nREF5Wi1GbU14WGc?oc=5) · legacy.com
- 2013-02-21 [Jacob Lewis Obituary (2013) - Walker, LA - Seale Funeral Service - Denham Springs - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9YMXE0QVpWUFF2ZUFRZkhFOWk5U1VvQVlfakZtUGx6MlpUbGRuSzZyeF9XNWRGWUVEdUppakQyOWNld2k0eWh0YlhKVXBSVUVlMF85RC1aY3h5ZDRZZUJFMWd0SkhheVZ3UXRBTURPNEItMS1YbkhwakNBVnhIVU0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1257 (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/41.json (key "1257", 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=1257
- 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