# LA CAPITOL
Baton Rouge, LA · NCUA charter 14568 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/la-capitol-14568

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 51,987 members of 1,455,132 potential (3.6% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *auto monoline*. 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 | $799.7M |
| Members | 51,987 (-1.4% YoY) |
| Full-time staff | 151 |
| Net worth | $102.9M |
| Net worth ratio | 12.9% (p81 of band) |
| ROA (annualized) | 0.83% (p62 of band) |
| Total delinquency | 1.40% (p93 of band) |
| Net charge-offs (annualized) | 1.06% (p90 of band) |
| Loans / shares | 89% (p74 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 3.38% |
| Net interest margin | 3.53% (p55 of band) |
| Operating expense / assets | 3.94% (p69 of band) |
| Vehicles % of loans | 61% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 335% (p94 of band) |
| Vehicle delinquency | 1.24% (p86 of band) |
| Vehicle NCO | 1.48% (p75 of band) |
| Repossessed % of vehicle book | 0.28% (p88 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 26% |
| Average share balance | $7,695 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $57.2M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,490 |
| Loans granted, annualized | $208.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $57.2M outstanding purchased (55.6% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | delinquency 2x band, members leaving |  |
| 2017-12 | 2 |  | delinquency 2x band |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | charge-offs p90 |
| 2019-03 | 2 | expense trap | members leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | net worth falling |
| 2022-06 | 1 |  | expense trap |
| 2022-09 | 4 | expense trap, delinquency rising, auto monoline |  |
| 2022-12 | 3 |  | expense trap |
| 2023-03 | 4 | delinquency 2x band |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 | loans>95% of shares | delinquency 2x band |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | delinquency 2x band, charge-offs p90 | auto monoline, loans>95% of shares |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | charge-offs p90 |
| 2024-12 | 4 | repo signal |  |
| 2025-03 | 5 | net worth falling, charge-offs p90 | delinquency rising |
| 2025-06 | 3 |  | repo signal, net worth falling |
| 2025-09 | 3 | auto monoline | delinquency 2x band |
| 2025-12 | 4 | delinquency 2x band |  |
| 2026-03 | 3 |  | charge-offs p90 |

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

- 2026-07-07 [Stablecore, Circuit Launch Digital Asset Program for Credit Unions - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQd2trTnpHeWc3bWNqa2lMSVB6ZVVqLTVod00wYXlOd2hxODh1aVdqN2RmZUJsNWxhN3oxTGM0azV1VzFPWnk5QThBME9Sdno1N0ZFS3daa2VIODZlNlppdndlYm82V1d3U1haN3Atem1KRnQ2Y2NPeHBMTVdaRjlCYlVSWFp6eTRIYnZBWTdKNjN1ZlFBLXhSdXh0Tms3RklZZkJr?oc=5) · CUTimes
- 2025-09-18 [Police officer hurt, car crashes into credit union in Pineville - KALB | News Channel 5](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUkJzcnpVc0o0Nm9NZFZ2QWdkaDFSS2tIc2NvbjhYWDZRampSdEw2MzRpYTFNRmppNVhRRVdTZDY1bmFORlhRaFV2cDFua3RJRE5JQ3VGTjJsUVlWUTM2T0QxbUNQSmFaS19RZ3pMc1YwZ0JtVDJ5TldQWlJRYVNKUVp4YjUtVXZPSzNQM00zUWJ4ZlQ0ZVFv0gGrAUFVX3lxTFBpb1QtTDJwTklGUUVnajczWG1iZXVjWk1Ud1FZcWw1anlfY19KektGRmo2ZFh4QmxrNWNQNEdIWk5oY1ZTY3JKTVl0OVB2OTNDNUdsVmM1aFd0V1dSb1M4cWNnYjdVVHFRb0FfRmROSHRHc1lXd1BZdmQtSG5fWUhzcjVZY3pGN040M0ZIdkRZMEpiTUw4eVNVSG9QVXpVX1JzRWVTM0xHaTEwMA?oc=5) · KALB | News Channel 5
- 2021-06-30 [Baton Rouge credit union merging with competitor - theadvocate.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQQjFsQVJqYVlaRWZHNmhkTEJGcmZxLVdNYzdXajBxOXo5R3pEa1o3OWhmLWtqekUzd0pySXluMW1yQm54RkZiZF9OMkFtclVXXzlzNTRwWEt4dnRvT0QxU0FvVkkxSUllNmtjb0ZnemlfekpPbUhXTk05NVh2allVVTliUlNIUURNbjFvbkhCT1J6aDJGbDFKYWVJVWZIWmJDRzFkX0hGeDJzMmE5OWJVTDduSVNjN2RGWS14ZTFPRENWeWFkaDZkSU41TGpIci1wYzlrRUttUjdfcWxLclVISlNZN0lyajQ?oc=5) · theadvocate.com
- 2024-12-04 [Stop Earning 0% in Your Checking Account. It's Time to Switch to One of These Top Banks - Investopedia](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQTWhZcl9kSlZNVGVSRVNrLXcxWEFtSFczNEU5WHV5QjlVV2RsLVBVck5neHBOaFlTckZycmt1SkpadVhlNWgwb1RFSmhGYVJ5X2tYSE9COTM3U2lsWjRVUm1UMFdYbE82NU8wTHBmXzRkRnFFRUcxZlBSUU5wTnV6OENocXlDR21oTmF1ZlVWM3hYOEx3bG5PZTRZU3IxUXFheDdwMXdRUXdZek16LXk3Y05DYWJpaEJ0UlFhTHZHQUJIZlBOTldUVw?oc=5) · Investopedia
- 2024-06-02 [New board member at La Capitol FCU, changes at Junior League of New Orleans - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2026-06-24 [Stablecore, Circuit and Curql Launch Early-Access Stablecoin and Digital Asset Program for Credit Unions - Business Wire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPUVJERHpwUzc5UEJ4dHJNRmtBbjlNSjZnSldDY1diS21Pb1JuLVlkeW11eW9sS0pTUXRfZjBnbVNSbW5XSUFvdmtDMUd2czlxM21UQXdFOEhfYUl1cDhDLVZNM2J5VVFBWGZkTENFbjExVzRaaFJGQ20wY1FFdDRFTURfTVNpNzczV3lUTjVWS1otWkNrY2lvcEs1dXVMS3BJZ3lvYVVtTWJ0a3RYTkw4QzllQ3BSV1NmdU1iZlkxR19aa3JWMV9OeTd1cHFQWVBOOXU1bEZLWk0tS01qVk9LRjdXbE1ZbTBCRExhaXF6U2hSZw?oc=5) · Business Wire
- 2019-02-17 [Southeast Louisiana People in Business for Feb. 17, 2019 - theadvocate.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPYzdiS245THhteW8xZ0djTi1SUXZXMjV0SG9TX3ZuVzAxLVhPNVFBLTJTSDhzM2tpNVVlOG1hY1JMTFdZcHZrQUVqcEpDY2psQ0dpZ2dnemJNSER2UldMYmlYSHFES0dONHpQemt2c29IRnVpaXRkRG9td0RGNDBhX2kyV1ZYNW1rZWhXQ2RjaWFsanY3dUhzTndaT0l2aGtiQWZlMTF5Qy1zWmtrQkhnMGQxYmJWclcyMV9VMVgwRWFMXy1NWTRfdXo2ZUZYS0o5cEhjQmtDUkd0OHRfQXRCV0cxSHd0SElwRUFB?oc=5) · theadvocate.com
- 2020-08-11 [Best High-Interest Checking Accounts for September 2026—Up to 6.75% - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE5sbV9PR1lIQXpkZk5LaFp0Qm4xVi1rcDZ3UElaMkJpMV9TZzdqdzBSWldMZEFTMldQbnZ6b1pKRTNNeE5nb01EQmZZWmE3SjB4TnRLWmhRbjdXazZYc2NJS2E2V0JiWkVTOTlNNDlZcTViWDlFMGp5SlhB?oc=5) · Investopedia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14568 (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/40.json (key "14568", 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=14568
- 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