# CENLA
Alexandria, LA · NCUA charter 15602 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cenla-15602

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 9,378 members of 200,000 potential (4.7% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $129.5M |
| Members | 9,378 (-2.2% YoY) |
| Full-time staff | 20 |
| Net worth | $28.3M |
| Net worth ratio | 21.9% (p97 of band) |
| ROA (annualized) | 2.12% (p97 of band) |
| Total delinquency | 0.04% (p3 of band) |
| Net charge-offs (annualized) | 0.32% (p48 of band) |
| Loans / shares | 42% (p9 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p45 of band) |
| Operating expense / assets | 2.49% (p12 of band) |
| Vehicles % of loans | 50% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p32 of band) |
| Vehicle delinquency | 0.09% (p11 of band) |
| Vehicle NCO | 0.10% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 14% |
| Average share balance | $6,647 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $10,089 |
| Loans granted, annualized | $22.1M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2022-12-01 [Obituary information for Ralph R Gill - Hixson Brothers Funeral Homes](https://news.google.com/rss/articles/CBMid0FVX3lxTE1vdlJ2M1hpLTRvaVA0VEdMSmlGVHZaXzc5dDJIMTRJdkVvYjJtNmI3akJYUUQ5OE1CQTAxR0hCaDZXVWpRZjc2TnJoazVpS0dZdkE3NHB0TTFWdmFQaTFQc2h0SDA0UUdLQVNuOXZtZklBbG9oby1N?oc=5) · Hixson Brothers Funeral Homes
- 2019-09-20 [Want to know who won Cenla's Choice? See photos and awards - The Town Talk](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSUtGUkdPeFk1RDdUUjZWSEFmUGpRUlU1bFRLSFhGeWg3c2xnVXNGWkc1RlBhNTNOb012V1JReHo3TklHVmpZUjdrUUp3NVdyUXY3aHZ2RS1Ubm9BTkRmZ3h2akVJal9wWENST1gzY0Z2elVOeWozLWVUSUgwTTRaM2tMLXI3djc0YjFNMnRSMnZnbGg4YjFKWU12TDhmYTM3dkMtcHBZUE9ldXdKWGJHcjhpanVCQQ?oc=5) · The Town Talk
- 2020-03-17 [Cenla restaurants and businesses still open - KALB | News Channel 5](https://news.google.com/rss/articles/CBMiywFBVV95cUxQa0theUhQaUxRcFpGR1Nacm5manJhYXVEenlRMFZacXdhd3N6YWZabDRvUVZ1cmh1emhDQVZBMXlJNmM3SlpJZ01DTmtIeTFkRFN5Z1l2MFZyY2J3cXFGbVA2S1lPX2tXTDYxX0Qyb1RGeHlMc2paYk1DUnViMkhsUXQ3S3ZGZUdzTUV1WHFlelBkT3M5ZE9GZmxIeGMyeE5Ic2V1M0l3X1ZMX0FHczh2S054TGxVcVg4WHVKdTVMSGtLQTRkcHN5cUhaUQ?oc=5) · KALB | News Channel 5
- 2023-03-18 [Louisiana man sentenced after using stolen identity to buy a car - KLFY.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMElhdzlxOEhxdkxqNU9MSE5CNnE0ZlJXSF9OQXFYalJzN19MblNpclRjWHE2THdodTNqUWREVkpMc091YWNSc1JDLUQ4UlE5LWZsMlhvN1ZXeUNNTG95b1FlTldMa0tuajItWUtsRW12OW9jTEp6UDhrS0JRZnRRNDR6TEZ4ZmM2SnRmODdxSm84bFlSdUdWRmNsVEXSAaIBQVVfeXFMTmVmdi1sS2cwTUE4UzRPOXd5MDBkbHQ4ekQ4RVdzNDJ1SmFPM2p0bFJWaW1GMGlRaGdyS2x6MHhiY0I4T3BmNlNIRHNSVnNsbzZ4bnlDSTREak9DTk1EYllOa0MwdmhoenFQRVRhclBrc3N5bEVSS0ZSWjRsUHVzS3ltaTh2Wk9tZXdPZWZnUEw3anpTWHlFQ1Y0UFFiVjB0d3NR?oc=5) · KLFY.com
- 2024-04-13 [Karen Laverne Erwin Obituary (2024) - Oakdale, LA - Rush Funeral Home - Pineville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1mTmFkb2ZWZG4zWUdqWmRmcjl2Ym8zUld6S2JxNk92ejBBY0dJZzBHOHFaNzIxR0l2MjNObEZLWEpWQmF5MlJySTRxT1dQNjA3WUVCWU05bXdPOGpXQl83NFdKajB4N3hsU1BrdU9jNnNfUnlEYjFNbVZ5U0s1YlE?oc=5) · legacy.com
- 2017-06-23 [Obituary information for James Truett Holcomb - Hixson Brothers Funeral Homes](https://news.google.com/rss/articles/CBMigAFBVV95cUxPNTdPR2VZSklrNlhnY3ZJazlTNlV4X004ZUM2WXRqSy1jNGp3Q0puV3BfQ0dma0wzbEZFQXNLS2JwWmFZekl1bEJuTWtjaVdaNGNtVUJnSkZMQmxHX1JrNzJxNE1mb0NaYUpiZmRfTzhvblE1N3NEck1lcWo2Y2NrVg?oc=5) · Hixson Brothers Funeral Homes
- 2014-08-15 [Rapides Parish Civil Lawsuits - The Town Talk](https://news.google.com/rss/articles/CBMinwFBVV95cUxQajUxQl9hTGVYRHZPMTZ3Zl9wUXppeFh1Mm5XSk9iNDViX0ttM21POThfY3BHU1JLdklPMjFacHFHX19teGIwNWhiUDlLelBtVTdPS2NPbXRXdVZxXzVlSEQzUWM2U29Vb09HalBLalVIQWZvck5BUEh1VFB5MVpFQ1ZxQnlyNXN0Y3VXYlZkTl85YlFMem03dmtUSTdGQ2M?oc=5) · The Town Talk
- 2015-10-09 [Arthur Allen Obituary (2015) - Alexandria, LA - The Town Talk - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSmRzdVVpbmljSlhmWmN6ODVhMmpXY1ZsN1lqVEE0T3VPbWNscm5id0diZXgxWWFaSFg0Rk9rQ3VuY3lTbHQ4SUdrUHRuejFEcGl4ODNWSklEd1lUYkMydEhLYVB2Z0tUaUFIU0xEYzhobXFpMF9OT1NSOTYwcnpfYmtBY1ZWXzlJanRBMU9GTXQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15602 (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/50.json (key "15602", 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=15602
- 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