# XAVIER UNIVERSITY
New Orleans, LA · NCUA charter 12748 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/xavier-university-12748

Who the members are: federal charter, educational (single sponsor), organized 1959, low-income designated, minority depository institution. 368 members of 368 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $1.6M |
| Members | 368 (-3.2% YoY) |
| Full-time staff | 0 |
| Net worth | $229,064 |
| Net worth ratio | 13.9% (p44 of band) |
| ROA (annualized) | 0.63% (p53 of band) |
| Total delinquency | 3.65% (p89 of band) |
| Net charge-offs (annualized) | -0.51% (p4 of band) |
| Loans / shares | 35% (p18 of band) |
| Cash / assets | 30.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p37 of band) |
| Operating expense / assets | 3.55% (p47 of band) |
| Vehicles % of loans | 43% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 6.02% (p95 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 57% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,042 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $8,188 |
| Loans granted, annualized | $201,236 |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 1 | charge-offs p90 | losing money, delinquency 2x band |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 3 | assets shrinking, loan book shrinking |  |
| 2017-06 | 5 | losing money, delinquency rising, members leaving | loan book shrinking |
| 2017-09 | 2 |  | assets shrinking, losing money, members leaving |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 2 | members leaving | delinquency rising, charge-offs p90 |
| 2018-06 | 5 | losing money, delinquency rising, assets shrinking, loan book shrinking | members leaving |
| 2018-09 | 5 | expense trap | delinquency rising |
| 2018-12 | 2 |  | losing money, loan book shrinking, expense trap |
| 2019-03 | 5 | losing money, margin squeeze, delinquency rising |  |
| 2019-06 | 2 |  | losing money, margin squeeze, delinquency rising |
| 2019-09 | 2 | charge-offs p90 | assets shrinking |
| 2019-12 | 2 | net worth falling | charge-offs p90 |
| 2020-03 | 1 |  | net worth falling |
| 2020-06 | 4 | margin squeeze, delinquency rising, charge-offs p90 |  |
| 2020-09 | 5 | net worth falling, losing money | delinquency rising |
| 2020-12 | 6 | members leaving |  |
| 2021-03 | 5 | loan book shrinking | charge-offs p90, members leaving |
| 2021-06 | 3 | auto monoline | net worth falling, losing money, loan book shrinking |
| 2021-09 | 4 | charge-offs p90 |  |
| 2021-12 | 3 | delinquency rising | margin squeeze, charge-offs p90 |
| 2022-03 | 5 | charge-offs p90, members leaving |  |
| 2022-06 | 3 | losing money | auto monoline, delinquency rising, members leaving |
| 2022-09 | 6 | net worth falling, delinquency rising, assets shrinking |  |
| 2022-12 | 5 |  | delinquency rising |
| 2023-03 | 4 | auto monoline | charge-offs p90, losing money |
| 2023-06 | 10 | thin capital, capital below 7%, losing money, charge-offs p90, loan book shrinking |  |
| 2023-09 | 7 |  | net worth falling, capital below 7% |
| 2023-12 | 6 | delinquency rising | thin capital, loan book shrinking |
| 2024-03 | 7 | thin capital, loan book shrinking | delinquency rising |
| 2024-06 | 7 | margin squeeze | assets shrinking |
| 2024-09 | 8 | assets shrinking |  |
| 2024-12 | 8 | members leaving | assets shrinking |
| 2025-03 | 4 |  | charge-offs p90, loan book shrinking, margin squeeze, members leaving |
| 2025-06 | 2 | charge-offs p90 | auto monoline, losing money, thin capital |
| 2025-09 | 3 | loan book shrinking |  |
| 2025-12 | 2 |  | charge-offs p90 |
| 2026-03 | 3 | delinquency rising, members leaving | loan book shrinking |

## 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
- 2026-01-09 [Scouting the boys basketball teams, matchups at inaugural MLK Classic - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMilgJBVV95cUxOcVh3YWpJd3pITHlQUklOeE03MUNicnN3c05ISFFXTHdqUTJFQ3IxSVRyMjFqUHE0Y0NCMFpDSGtROGdXZG84ak93eEJfRFYyLWROUFVFZ3FTSHMxUG9EYjdCc1VWQmphWkpKVXJIWlRTeDBoTTdLV2NOTEFiZzhOdGQwY1VkVFRVZm1aRl9xY2FtOEo0UVhZNEdFaGNXanMyOFhkS0FzQmlWSjR6ZDd4RDdwdVhuTUhTR0ZlWHJyUHVaT0MxeEl0SkxjTk12UVcwNUwzaVhTLVdIV3RNTW9QMExlQXlZWU9LdFE1Yy1iNjNqdDM2dnpicWd0M182VHJtYUlvVFhHWW1YRk5mVTdxV2w5OVdZZw?oc=5) · Cincinnati Enquirer
- 2022-07-03 [New dean at Xavier, director named at Louisiana Cancer Research Center, attorney returns to Gordon Arata - NOLA.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxPT0tvSlAxelZYa2NDcEZ1cjZBYzVPOU5RZXhuUVM4ZlhhTjh2VWNjWkxtc3hibXhaZF9tbDZXWWhxdG9OZnUyTTdiQml2RXNrS2NtOG9ieHgwQzVYU05ac3lBSHJhZkZfTEZfbUxXWVdYNEhxZ0VJTXAzZzZlRE5CV0d1RHowY18yN0dKYnFWdkZQUnRBNmc1YmJmS1lmUkRBanZVNG1IbHVJM25OclM1b01yOVhOVkpQLTc1WTdfbi1mdGJQc19TZGxBZHpKcDRUNkd3WnNhUWtvd1hyWENfSkJ0WjY5THVBb2RyZ2pMR3hMQVUyN003dndPVHpST216ZS0tSVNQeXlVcXRvSGfSAZMCQVVfeXFMTzdJZzNwV05Xb3Q0S0lPV1FkS1dqb2RJdnhaYllWNTY3T2tZOWppUTlfa1RUSmFEU04xbERURUpwY3BIMjBvYW9OcDRtWGs5aHlXZkV1VmI0WFBkeTI3YnRtOWYyQkRiNnZncmpjZndiUnkzREJCWFpzbTNvT25ZT3g3MzNiUXNSNEpXUDBtdEc0eDNLUEQySHVMdWszUzdaTmV2TzA3Z0tJMXhxSndaNDVOU3Fldjg5bk13QVJKYzZ2V3ZSM3RvWTNQU3JRX1hOS2hoN1QwWDBza2tCaEdoaDlfdU1hck1NTDUwaTNKVl85bEVuRkxhU3o0Tm5kLXdzaE12bWFyYlIyUzhsemxEMGNRaGc?oc=5) · NOLA.com
- 2022-11-21 [Eloise Blandin Obituary (2018) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNdjdUX0NlLWdlTTVQdGVrcmRRazgtZ2JHS2ZLUVktaWpVU05HaGtZdlhaVU9IRlU3a0tuaWZCdFhuSnA0eDd3a0NjY0t3R2xjTGxnNnJKZ0lLTnkwcGZCd0Vpd0lUS2ZRbXYyRlVOa2VBbUJSdk9UcEtLM2R0NHFheHV3RzcwWXlw?oc=5) · legacy.com
- 2020-11-29 [Baton Rouge, New Orleans People in Business for Nov. 29, 2020 - theadvocate.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNUEVZcTVwdkYwbWktMUd0TGFwSlRwVW9KMVhWM3JnLXpQdHBFN3BVOXdQbldaa0lGdC1FZ041TkJJQUU0RDFmeXVsZkZnRzZMaW50ajlEVDA2UnFsNXRDUjFVRnF5TmIyRGZxSDA1UlRSc2VYc3ZCNzF1eVdzbEp5cWVWdUxtLW5YZTFPRjlqVlk3czRoUURCRXVmUnpydm9zUHFBMTVyRHZGSHh6cUw0Y1JrdzFpLTAwOVdaNnhYY181cHA4UWc0c0tHSnY5WDFkRmFfdzVXbWVYSjVidlpzNUdjcmpLYzNMTHkya0lLeWZIQUps?oc=5) · theadvocate.com
- 2014-03-16 [Seni Sise Obituary - Tyler, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMieEFVX3lxTFBJX0psckozYl9WZlo1eE9Wd0xteERBN01ma2FKTDlVOXp2NnhRRDdfeTlBSjFsT2tZTDE4d2g1WnhaRldmOXUwQklUWkpYc21XdW9LYTFJbnIwY2dMcTNQMWp5d1BINmJCR3p4TE1fTENLQ2JyUkNLcQ?oc=5) · Dignity Memorial
- 2022-05-31 [Florence Lee Obituary (1926 - 2020) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOalZya2VvdWdZQjdPYVZ1Y2VPa0JpbUd5UVlEVG0xU2E5U29DUjVwNVh3XzZlaUFBMGN4TWpIQW9HNkJNd3MyUl8xMUJtampxMmI5RV9xT3ZvalhCX0xfZE5aLWlyUUhjSjhfTXBUMHZmMnZrcnpmMldyV3pDeXBTa3RuVFNuZw?oc=5) · legacy.com
- 2005-11-23 [Irving Johnson Obituary (2005) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVlRPbXlZS2tEWTVMOEIxNFY4SEN5M1lEYmVvQWk1NnhiMVNQUTNkNXhMNkZIZEpCc3Z3bF9aTmE5TnE3QWFRTkQ0X0o5dWp3NmVBeVZ6a2FEUjZnd2RBUkVWcTRYUzJSdGlpTXNGTFkxMTdhVHl0T01aZUw0Uk5Lc1k0MWltSG5Vcmc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12748 (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/12.json (key "12748", 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=12748
- 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