# FELICIANA
ZACHARY, LA · NCUA charter 13687 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/feliciana-13687

Who the members are: federal charter, community charter, organized 1960, low-income designated. 1,737 members of 7,500 potential (23.2% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 92.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $23.2M |
| Members | 1,737 (-8.3% YoY) |
| Full-time staff | 5 |
| Net worth | $3.8M |
| Net worth ratio | 16.2% (p58 of band) |
| ROA (annualized) | -1.17% (p9 of band) |
| Total delinquency | 2.03% (p78 of band) |
| Net charge-offs (annualized) | 5.63% (p98 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 29.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.45% (p72 of band) |
| Operating expense / assets | 6.11% (p90 of band) |
| Vehicles % of loans | 47% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.07% (p35 of band) |
| Vehicle NCO | 1.98% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 20% |
| Average share balance | $8,445 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 92% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $8,598 |
| Loans granted, annualized | $3.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | assets shrinking, members leaving |  |
| 2017-06 | 1 |  | assets shrinking |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | members leaving |
| 2018-12 | 0 |  | delinquency rising, net worth falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | members leaving |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | members leaving |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 2 | losing money |  |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 4 | expense trap |  |
| 2021-12 | 4 | delinquency rising | expense trap |
| 2022-03 | 4 | members leaving | margin squeeze |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 | assets shrinking | delinquency rising, members leaving |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | net worth falling |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 | expense trap | assets shrinking, delinquency rising |
| 2024-06 | 3 | members leaving | net worth falling |
| 2024-09 | 4 | delinquency rising |  |
| 2024-12 | 3 | assets shrinking | members leaving, delinquency rising |
| 2025-03 | 4 | delinquency rising |  |
| 2025-06 | 6 | net worth falling, delinquency 2x band |  |
| 2025-09 | 5 |  | net worth falling |
| 2025-12 | 6 | members leaving |  |
| 2026-03 | 8 | net worth falling, charge-offs p90 |  |

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

- 2017-08-16 [Pelican State CU merges with tiny local credit union - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxNbzd5NjhEWU5KNzRTcURVRk50aG9ZekRmT3NVU3IyR3JOblQ4eDhWYlQ4VmhNR1pLTmpDY1cxVWNxME5pRVF5ejJibHFIX1Bwc24tTXRHVk1wTGt0cjhySVVYQWRYeHp5UnVhamY1OGlPYXpnQ18zSi1ORDRibXZmSTI4eXhhQ3hoMWZ2WG0yTGtlcGZKLURTclE2ajFzZmNyNkJN?oc=5) · American Banker
- 2020-05-18 [Neighbors Federal Credit Union hosting 5th annual ‘May We Pay Your Mortgage’ contest - WAFB](https://news.google.com/rss/articles/CBMitAFBVV95cUxNT3BzZUpLa0ZMU0Y3NDlJdkFmRlFXV1FRMTRSNTZiQUh3c09EZy03QUZBdDJmR21YSEt1QlY1b08zRnQ5NjNkNjgxT1RPX2lSVG9od0VRQnBZVkNRUGlaUGtSNVFCMjVfcEJ2VndsUWxLYlRuNGk0NTZLMHVFdFVGZWlWMlFWaEZZOFRRb0hpSVpOVmp3QTFuMnJWRXVjOWdfc1FjLWNiR0JhTUhvYkhETlc2Q1PSAcgBQVVfeXFMUHdBWnRDaWs4aVBNNVc3Wk5CdnZjV1dkTF9qQmF3TGdxQldBeFdGWlU5WWpLTGF6S1RCNW5KclpsdER5aGcxN1F2ZWRCT0VMU0k3bUFNam1VYW1pV2dTNklld09HRDh0TExUSGhJOHRRaWZ5dHRkdUcwLTRlTU9kZGpleUZlYmtubE9MZllxTV9Sc0EtR0lmLTA3UjRQR1JxQnpoQU9NVDBleGRNc005VXRIVHVUN0UycWYxb3VPVHRkWUt2bVdEcW0?oc=5) · WAFB
- 2020-08-18 [East Feliciana High graduate Lakeira Williams wins credit union scholarship - theadvocate.com](https://news.google.com/rss/articles/CBMiowJBVV95cUxQSC1uY2daaXVuRE8xcXdDZTNwRWNuUlc1REQ2T3ZhQi1DMUc2TXJ0ZUJoc3pxVFRUS2FNcFd2VlNCNTBVeXZTaU9oQVllX1hyT20xOXN1TG5ESzAxeEtFRUJjeXVvZS1YZ0lfWWo0UlEwd25Sc202SG5ZeDA2cDZETksxcXhrUWt3ekJ4NWdHRTltWXB6U01iMW54eklXMzhkdFN2TEJvZ043enFCeW9lbEtJc010emhBc25TQkNyVVJIMlRDajl0d0hsbTEtblRKZ1dhT3I4RVpuMFQ0VU1kS0NTU0V2T0J5Tmp3b0Zuc3BNbENKTXU3NklZWloyNTZUVDFCNWstVHhRcWVzUFpCcU1tUTFWbnRVX0RqMFkzd0hwcHM?oc=5) · theadvocate.com
- 2018-04-16 [Carl "Buddy" Bellelo Obituary Apr 16, 2018 - chauvinfuneralhome.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBhNm1wS0w0ME1EN3RxU1o5d3pPZVdTSXRGM2hiQkx6X1J4YkxKNUhjcDB6V081RFNzTDNFdUNWUUdOemROU2ZuaElVRjYxZk45ZC1oMEFiQjgwUktoaFpWbDhHVHB3TS11eTVraE9jbnlkUQ?oc=5) · chauvinfuneralhome.com
- 2021-01-20 [Ruby Givens Obituary (2021) - St. Francisville, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQR2R3a1hPakVwRmdudVNZdFNRa2pUTFF1NWoxS1hyY2FtSTVIVkZjMENUY0dkWURiMmtHRW1UNEZrZFhzVFhRUTVZTWhnQVUtNDBrUVhKZU5oNUQ5MzdNVlpuQllvSW5vLVl5LUprM0o1MmFtWWIzaHhLYVN6YmNrM1RUR3I0VzE3RjMzYTB3?oc=5) · legacy.com
- 2015-01-21 [Dow Federal Credit Union changes name to Essential FCU - theadvocate.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQa25DQ1ZyWTd0NDNfblRVbURCMTBwbkM1Y1VYS1BrT1RIZEhyTUN3WDFVSEE4dWtiT0VCazZEX1pQX3ZSM0J5NkhUdUNiMmdIODBmTUFkUnNkaGpBQV92LXlTZm04LTJaR1luN3FXMTI4UTllcjdRZmpLRWhzUGs1U2JrY2llamMySTE4RnM2Q2xyWGRYaTFOTG80aUJrNGhwanNuaEhLUktFSXNfdXV2Q1I2VEI0bXJJU1FJLWJDLVdCYTl4YVdvQkNncFpORGpYeHRyYUVkZTJqNDFDMUNHZ3Jva3ltTENlQy0yTThfRQ?oc=5) · theadvocate.com
- 2022-08-26 [Running for office: East Feliciana School Board - theadvocate.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPeDZvOHdNN0M0TDd3U01iUmpwVjh4WjFKVUFWWW1WSWVFMEUzZ0pQRldHVEZoLTBaRWdPMi1PT1BuNXdqNFN5R1I1em1uYUluajVVTi10UzVfaTRxM1l3MzQtR0ptdFR1MTNNSDJrSTZYcVlwRFdaUldDTE93RTYzT1dRbDdZYmRTN2RMVlEzLTZoeVF0Z01tYU9mS0wteUNIUGJwNVJTUGV1dnJ2MExxUVNWNDFlS21FX0NId0hBRFhCZ1NaYU9oRnNZSEJ5RXhLVGRINmtCNWp2Rkl4YzA1RE5lLUZvRGRySTRyZkg1eGt4Sm96NkFSckJhMUk?oc=5) · theadvocate.com
- 2012-07-19 [John London Obituary (2012) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNT3N2b3RfNnRKc3BIS1F1X2MyUldzdkhrSU1tc2JITzlMQ1F6OUpVYVhyNGRKTWhNNUNBM1FwdVN3QWRmRDBfeVdlbDgwLUFKQ2JydkJ5TDFVSkp5eWxEM3BHX1RVNWY5aW1Ccll5aGlzT0JGLVFnMjJfTk83Q1I2cmRPV1RsRFNIZ3FZblhpOA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13687 (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/55.json (key "13687", 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=13687
- 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