# CADDO PARISH TEACHERS
SHREVEPORT, LA · NCUA charter 15589 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/caddo-parish-teachers-15589

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated, minority depository institution. 3,434 members of 6,500 potential (52.8% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *auto monoline*. 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 | $17.1M |
| Members | 3,434 (2.0% YoY) |
| Full-time staff | 4 |
| Net worth | $4.0M |
| Net worth ratio | 23.1% (p83 of band) |
| ROA (annualized) | 0.95% (p68 of band) |
| Total delinquency | 0.84% (p58 of band) |
| Net charge-offs (annualized) | -0.27% (p6 of band) |
| Loans / shares | 50% (p39 of band) |
| Cash / assets | 58.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.01% (p55 of band) |
| Operating expense / assets | 4.44% (p68 of band) |
| Vehicles % of loans | 77% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.97% (p64 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.14% (p93 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 18% |
| Average share balance | $2,485 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $7,744 |
| Loans granted, annualized | $2.6M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2024-04-02 [PHOTOS - Superintendent of Caddo Parish Schools Dr. T. Lamar Goree through the years - Shreveport Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbmpSV1cybHdTY0hCWnFOT3A2cnVoRGJucmdsaTlybDBjY3RiRmlzcFFmZ29LZGczdF9oZE1qekZJTEZvNFdRc0FTTjBEaGhxaVNLTkR1d1FqWDBuSDVVVElic0RKLWFhTnpuXzVvdGhCaWV1em5QeU80bjM3X05jYkZVNUJxX0w5SFlxSm9tV1VKQQ?oc=5) · Shreveport Times
- 2026-01-12 [ATM Skimming Suspect Arrested in Shreveport After Suspicious Activity at Credit Union - News Radio 710 KEEL](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBmeTJLR3p4UHdrVDJqN2ViTklKbVFrVVVCU29YQUpYa0VfTVZJVS00VTdvS3p4VlR5WC1mdDVpTmUyTnhpRTIxa29RUmExanlHZVZBZUwxMWNKaW0xMU5yYQ?oc=5) · News Radio 710 KEEL
- 2006-12-07 [Albert Moody Obituary (2006) - Shreveport, LA - Shreveport Times - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNaktUdHZEcTFmSDE1OWo2TzFXYmdtN1diNDlnUG5XNmVnMHU5Y3B0TEVvaDZnV0tWcDVnRER3NFBsekpfQy03aEtfZ3BCbnpTS3RJamRaZ2RQQmxTel9VSHpEQjlXRXZjMmcwMzhJVEY4VGtKOHVrMEhza1NCWHlXeXo2NHNmcGVlUGVzVlRVbFAzYmxRMGc?oc=5) · legacy.com
- 2024-01-17 [Krewe of Sobek celebrates Mardi Gras in Shreveport with 'Orient Express' themed bal - Shreveport Times](https://news.google.com/rss/articles/CBMiygFBVV95cUxNYTI0aTdfMGlveGwzVXFZbDhwTmc5bDZBS0hBYmJFMDkzQkd3SUtvVUxvVHl2V2l3djBNZU1UdERWRlV2Qmh6TEpQcXlDaU91blljX3ZkbTZwcHFwcFU4OURELWRHbVhYSE5yQmlxZUNDUmxVaHZiaWxnZlljRUFsTFpLVDJ0Y2loOFRPLWtpRVRNZHF3Xzc5c2pLZzVtTzNkTFI5NjVBS2lhRDg4alBFT3BJb0MzUXZsTFR2UUgyRG03RnF4UzM4djJB?oc=5) · Shreveport Times
- 2026-01-12 [Shreveport police arrest suspect in ATM skimming investigation - KTBS 3](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNTGxqR3Z1enRuNjVDVmVUaHJxTno5bXI2N1JKSVpKM3J2cTY1Ry11RXFOVkJGN1hqczZhZ1pXQnJXRzcxVV82bGhCSnNLanpnSENKalZCZzVUUk5pYU5QcTZMSGxCa0xsMTdxZlFKM2xxRFh5X2ZTZWdZVlV3NmNuVXRpV0pFbTRaX01pSmZyMV91b0hyV01mbGY0X2NWWnhGcXBpcVBOTlJrclpiYkJNSTA5WG5rU3hHWVAxSXJRYV9KTm1uRnh6a05OVWpPLUZ3Y2FsZQ?oc=5) · KTBS 3
- 2015-06-30 [Cheryl Carter Obituary (2015) - Shreveport, LA - Shreveport Times - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZ1JpdUs4dTZSMDJkRDRSMWQ0LTdlRUhpazZRQy1Mbk1VdTdUQlVkSHh3ZHctWHUxcHZGZGcwVVVCa3U5Q1J6SVpjbkZ5TGxWOWRpbzRVOG9nLUhxX2pOSGFWTUdqNlNLeTF6TnRlTzFnT3F3Y3p2YXViN1BxQ0pWQzgtMW5pLUxSaTJIU2xXSFhPcEprcVhN?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15589 (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/37.json (key "15589", 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=15589
- 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