# UNIVERSITY OF LOUISIANA
Lafayette, LA · NCUA charter 12570 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-louisiana-12570

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated. 6,457 members of 142,531 potential (4.5% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 42.

**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 | $62.6M |
| Members | 6,457 (-1.4% YoY) |
| Full-time staff | 18 |
| Net worth | $7.0M |
| Net worth ratio | 11.2% (p33 of band) |
| ROA (annualized) | 0.17% (p20 of band) |
| Total delinquency | 0.36% (p35 of band) |
| Net charge-offs (annualized) | -0.02% (p9 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 21.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p24 of band) |
| Operating expense / assets | 4.69% (p82 of band) |
| Vehicles % of loans | 40% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.34% (p36 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 30% |
| Average share balance | $5,289 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $14,805 |
| Loans granted, annualized | $3.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 | repo signal | delinquency 2x band |
| 2017-03 | 2 | losing money, delinquency rising | repo signal |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 3 | delinquency 2x band | delinquency rising |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 3 | losing money, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2018-09 | 2 | delinquency 2x band | net worth falling, charge-offs p90 |
| 2018-12 | 2 | charge-offs p90 | delinquency 2x band |
| 2019-03 | 2 | net worth falling | charge-offs p90 |
| 2019-06 | 3 | thin capital |  |
| 2019-09 | 0 |  | losing money, net worth falling, thin capital |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | thin capital, net worth falling, expense trap |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | loan book shrinking |  |
| 2021-03 | 5 | margin squeeze, delinquency 2x band | expense trap |
| 2021-06 | 6 | expense trap, delinquency rising | net worth falling |
| 2021-09 | 4 |  | delinquency 2x band, expense trap |
| 2021-12 | 3 | net worth falling | loan book shrinking, delinquency rising |
| 2022-03 | 2 | expense trap, delinquency 2x band | thin capital, margin squeeze, net worth falling |
| 2022-06 | 1 |  | delinquency 2x band |
| 2022-09 | 2 | net worth falling, delinquency 2x band | expense trap |
| 2022-12 | 1 | expense trap | net worth falling, delinquency 2x band |
| 2023-03 | 1 | losing money | expense trap |
| 2023-06 | 2 | expense trap, assets shrinking | losing money |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | losing money, delinquency rising | expense trap |
| 2024-06 | 2 | net worth falling | assets shrinking, delinquency rising |
| 2024-09 | 2 | delinquency rising | net worth falling |
| 2024-12 | 1 | expense trap | losing money, delinquency rising |
| 2025-03 | 0 |  | expense trap |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | expense trap |  |
| 2026-03 | 2 | net worth falling, delinquency rising | expense trap |

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

- 2026-06-12 [CSULB President to Speak At Compton College Graduation Ceremony - MyNewsLA.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNbXdHNUVkZlowdVU4MjF6SlJDN2NkSl9qMG1mZl9JMW5ZdHZ1YVNoSzI1elUyWF9QWnRXZmFTTmRMNXFGTmxaUW5acnpraUlzZnZTQUpKODFWSHZOWnJqY2FQb3J5M3BOSG9lb3hobXM0MC1qR3RtQ3RDS3JZWkFkdjU2ZVJnZ0VmTE43a1EzUUJiUVBCSUlYcjFkbWNpVElGbzB5OTRTbWVPdGxsenVQVzln?oc=5) · MyNewsLA.com
- 2022-03-09 [Empowerment, health focus of Women’s Leadership Conference - University of Louisiana at Lafayette](https://news.google.com/rss/articles/CBMitwFBVV95cUxNeW84bVdIS1hYbkROZkdvUjNrUW5sNXo1OUhRaDNsazlXZjZYVURfcVN5aG8wOXpGaXNjME9MenZHN0x4bXNtaWJycWhwcXRaXzlOZl9jbXJXVFNySnIycll6SXBUSzZYVlo1M05zeUpyZEJSTGEyVVd2djlqcG5GVENfemwyUTVZd1o0bUs0MVRyQnBRcDJ1S2dNbnJCVklIQ3I5elRkbkxJWUNTaHF4cFUxTldHMEU?oc=5) · University of Louisiana at Lafayette
- 2020-02-14 [Small Louisiana credit union appoints new CEO - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZ09kUGZPVXZrTXBibTJIS1FEN3k3WjluQno1RzJrNFI1WHJXZ1FMUUF5TzZjRE95OVZtMU1aOW43S2RudnBSM3REUnN1ZlNKWGxmb25UT09PNk5jaEI5Z0xNUkxwZVVpMmpZaXBlTllnbUdFTlBSWXlhNENHZEcwMDBlcHFWTk1nM1drYzRmajlNYXZWMWFhTWdR?oc=5) · American Banker
- 2026-03-24 [ULM Alumni Association presents 19th Annual Wine Over Water on Apr. 16 - University of Louisiana at Monroe](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9xLVRWc1RDcnQ0MmEzd2lDaDNDSldnSWp0Rld2d0h2RTRpQ3dmMUF4aGtsTElwMXhjb0l6bVA2TjZPc2g2SFBRY01RTmFndFJTZGlyX2l0SFNuU0lGSHlSSHFWaUI3MTVQ?oc=5) · University of Louisiana at Monroe
- 2025-06-13 [Luminate honors exceptional achievements at 2025 Luminate Awards ceremony - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxOSEVTZHoyM05nNnRvR0tUdV82LVkwX3NRU3VFMllhWm52Y0RuZEpOV0UwYWIxbUVCR2R1YlRDR08tc195MC1SbFlDakhkVGdzcE54VEFKSnc5em1DdTkxWEIzZlo2QkNiMHNQUW9zWVRFVkRJUm1aS2xkZ042Z1prbVROa3VteXB4cmZ0ekI2SWNIcVEwNHFRdEVLTzZVMW1UakkzUUx2M1YxSXJSTGwwcFh4cDY?oc=5) · CUInsight
- 2026-07-13 [UL delays payroll switch to November after faculty pushback - The Current – Lafayette’s Community Voice](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdUJLMUF3Z1NNVTdRVWdNd3hXUXdUN2poekl6SmVGV1JGSkh2ODNBS0ZvUEY2aktsSG1HMUNmM0xMTlBKMDliMHRTV2s2dk5meGQzMG5pOGNTR204V18yTWFIVGVhS2hqeUNGUUlWS19TRGhSSzh0a2NVdkR5UEVxYnVGRHNIcmNXVk96d1Brb05hYkR3?oc=5) · The Current – Lafayette’s Community Voice
- 2016-01-25 [New UL Credit Union on Bertrand - Developing Lafayette -](https://news.google.com/rss/articles/CBMidkFVX3lxTE1ISzlhcWRrVTZBazFJSVllXzBha090S3Y5Z2dKY2xudGlBZ1UxNFlaN3Joakx0Y0lpcUt6MTdKVG5RVjc0cTRMTEJ6YWVJT1htaDVkQm05a1NEb2VmTEhZUWNETkluUGNfM2tKZkhCMnd1NzkzNHc?oc=5) · Developing Lafayette -
- 2026-03-13 [Krystal Romero, 20 Under 40 honoree, is outreach representative for the La. Dept. of Justice - theadvocate.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNb2VXQzhZTEhnVmpSV3dXeFFKSVU1QkJUU2JZZzM2MW5uejlTdHNpZlltWHVyRE1COFdobWlGMTR6RzN6WVprX3ZYWUw4eHR1ZmFwUHpvR1JfWnlsM3lOWFlVTFpJQkZDVm9wZHh6UzlZNVU1dVVHWXlNREl1bV9nX1dyazJ6Um5zY3B1NG8tM3EtcWJobHdOdGJuRW4yUmlfeXkwaXRtR0NOSlBpdGJ2S3lySW50ZlZXSFhTZFVKdHQ2MG41SG5MRzh6SmluVVVXSktUdm0zeUxHVExqbVdfaTNqMFowWnhCSm5aSGlB?oc=5) · theadvocate.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12570 (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/26.json (key "12570", 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=12570
- 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