# JEFFERSON PARISH EMPLOYEES
HARAHAN, LA · NCUA charter 13271 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jefferson-parish-employees-13271

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 14,265 members of 21,398 potential (66.7% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $165.2M |
| Members | 14,265 (2.2% YoY) |
| Full-time staff | 54 |
| Net worth | $22.1M |
| Net worth ratio | 13.4% (p71 of band) |
| ROA (annualized) | 0.53% (p39 of band) |
| Total delinquency | 0.44% (p35 of band) |
| Net charge-offs (annualized) | 0.65% (p77 of band) |
| Loans / shares | 80% (p72 of band) |
| Cash / assets | 14.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.08% (p75 of band) |
| Operating expense / assets | 5.51% (p93 of band) |
| Vehicles % of loans | 47% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 46% (p54 of band) |
| Vehicle delinquency | 0.22% (p23 of band) |
| Vehicle NCO | 0.78% (p65 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 20% |
| Average share balance | $5,429 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $273,288 |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $10,869 |
| Loans granted, annualized | $42.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $273,288 outstanding purchased (1.2% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -0.4% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)

## Warning timeline

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

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

- 2021-01-21 [TA'MARA VALENTINE- DAVIS Obituary Jan 21, 2021 - davismortuaryservice.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBRdEdLb3ZrcUk2aE93R0d5UFA0QXZzZF9saXVEZHdJUHVQV2tyTVUxOWJLYTNac0dBRjJhejREdTZKWVFFSVg4TDNBbXdLMHllSDdZMFVpdl9EcHdUNkhXX2NxWXJrbmIzb0lmcQ?oc=5) · davismortuaryservice.com
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Louisiana - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONHkxM2I5elJkRlhlSzNSQU9ZLWFMQlBTdVBnQXBzcU1GRjYzZ3JvN3pxendiNUk2WFNtMHl5VDBkRE9JNWNFY19jZUc5ZzhnNFpyTEFwa1UweEwxd3M5TWVSMG9kcHJmWEVHN3Y4VW5UUFp0OF9wZFk0VTR5aEZZWTUzRE95YkJPQVZhMGpZLXQ?oc=5) · Newsweek Rankings
- 2018-03-24 [Charles George Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQQmN2Q1J2Z244NFBXSndrV2JWbEJMQThOZTlvSTFrckVCWDdqR3NWN3oxdGIxcDVEMVFpSXhQOEVTaHllem10LTBUZllRaWU1T1p4bHJ5SDAzQVd5c2RjbWx6dEljNGRSQi0zdnZTVkMzNkUzOHh4VGxoSng0SWMzZ1FFVlVQWlE?oc=5) · Dignity Memorial
- 2022-12-23 [Angela Thompson Obituary (1970 - 2022) - Metairie, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQTG81b0pMcWFZSnVZTVoyUmY3VUxPRW1BYjduTVA3QXJCNWJUb2poYmJtb3lHZzJDZ1VuaGt6X0t3cm5VWFpZSXpYclVERzlVal9kdEJWRzM4aEwxUHU1Tzh1Ukx0UWNEMUNDdThtakVuVFpzUndsSlpIVlhiRi1hNWFrQzJRNHdHR3dB?oc=5) · legacy.com
- 2020-01-20 [Louis Frost Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQV2p3RVZRcGJobS15X25HelFCYkpDMmUySGVSRWxSZ1VnY2dVQzN4SlNjV3BVNnVreVVYeExCbGhHNnNnNFRUTHlidTJKMGlsQXl6OHhVX3FaS3RfY0lTZ0E4dUJueG1QNTFNMnBQWXd0bmhkcGZHQVFqelNJN216M0diVQ?oc=5) · Dignity Memorial
- 2007-05-25 [Leola Funchess Obituary (2007) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOeFV3U2RwQ2NjX0RzV0VGTFNCUkJEZXlhSEFxQ2xDR0pQUGU3RVhzVWl2ODFmQndRSW9EQnFUaVZBNDRuNGZBSEhOV1RrRnJzeHdjN2RYZ29HUkNBTkZTSUZmdWN4VVVDcE9nU1A0ZnlmY0Nhdm1Kdkc3TmVOU3RwYkc5ck9ILWJ3SEE?oc=5) · legacy.com
- 2018-05-02 [Brishen Ducote Obituary - Metairie, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPT2d2VG1MTDhhMllMZTc4LWFhN1l1UHoyQkY1RTg4cFNzcE9ZdVFNSE1fTVVIWWsyWDFmY1FHcHdmVjIxcjNYZWI3Sk1BclV1elpvNkp1bVpwdXIyRFUtVTJmMUZyeU5icGtTNVktOTdyS1BlSmU0OFhoLUQ0YjlzenNMdw?oc=5) · Dignity Memorial
- 2022-06-26 [Louis Frost Obituary (2020) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPeGhTMGpzWFMtcTRSM2RtYUNXMzJqRnYwMmx3YzQzSVBub2g2YnZpQnVjdTl1SlBGbEh0dm1RMVlqN2UwWjBRekhOX1Z6NnZvam0zZE1ULWdYX2FaSVBhQUdha21pRmxoR0xEb1kzUVhuUFpQNVlfdEJBS0RSczZ6eC1qakc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13271 (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/23.json (key "13271", 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=13271
- 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