# SEVENFOLD
West Monroe, LA · NCUA charter 1725 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sevenfold-1725

Who the members are: federal charter, community charter, organized 1936, low-income designated. 3,530 members of 295,928 potential (1.2% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $53.5M |
| Members | 3,530 (-2.8% YoY) |
| Full-time staff | 14 |
| Net worth | $7.1M |
| Net worth ratio | 13.3% (p55 of band) |
| ROA (annualized) | 1.27% (p77 of band) |
| Total delinquency | 1.33% (p81 of band) |
| Net charge-offs (annualized) | 0.20% (p45 of band) |
| Loans / shares | 49% (p28 of band) |
| Cash / assets | 52.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.92% (p64 of band) |
| Operating expense / assets | 4.17% (p71 of band) |
| Vehicles % of loans | 76% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 21% (p69 of band) |
| Vehicle delinquency | 1.64% (p86 of band) |
| Vehicle NCO | 0.13% (p45 of band) |
| Repossessed % of vehicle book | 0.24% (p91 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 19% |
| Average share balance | $6,241 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $752,847 |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $12,350 |
| Loans granted, annualized | $9.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $752,847 outstanding purchased (10.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-07-28 [Avenged Sevenfold Setlist: What to Expect from 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAtY04yd2NldDhsemEzQ29ZeUJUXzhCWjRsY18yc3NiX0tmb3QydlRyMHJuUWtxTTYwbmExaUFYZVNHNk5xc3RReVZqYXR2YXhNdDZhOEMtU25qd1pKVWNzTk1ILUFHalk?oc=5) · Ticketmaster Blog
- 2026-03-16 [Avenged Sevenfold Announce Summer Stadium Show in Los Angeles - Knotfest](https://news.google.com/rss/articles/CBMimAFBVV95cUxQN0xnQU5HRmlwME5jd1pXNW9zdHpPd2N1dC1yOWcwTDJIR2lqS2VCSnhVNHl6Y01aSjFHRVdXNlNSb09xdWxVR3lTLUlPNVEwbDdQenFhU09kZzdkYUJsejJxUkpKZGVtbXBYRFFfNVJGb3V2NVFZTjVGVzFXYW03R2pXeVZSYXJWVndsT3NQWWZGNUN0R2VUWA?oc=5) · Knotfest
- 2026-03-17 [AVENGED SEVENFOLD, GOOD CHARLOTTE & A DAY TO REMEMBER Announce One-Off LA Mega-Show - Metal Injection](https://news.google.com/rss/articles/CBMiugFBVV95cUxPdndYVUUtZy0zWWNlRWt3aDd0UEJrSDRVNjdYRXlxVmZKQ0VkQXNaQlhqWlhoQmhkS0hwNzlLaGRDcDJRSmszVGQ3Xy0xQWdkWEo5ZGp5SFBNZG9ibmNHRU45NmNZTEtRdmxsLVA0cGwwRUxtdU43MktZTUhidVJZaXpPVktqTjF4UEt3OHV1UUxMX21CMDZhTEtSRllRdDFxRjF2V25ZMVoxc2lQMlNwbU5RWWNZbm5KdFE?oc=5) · Metal Injection
- 2025-05-01 [Monroe Telco Federal Credit Union unveils new name - KTVE – myarklamiss.com – Your ArkLaMiss News Source](https://news.google.com/rss/articles/CBMimgFBVV95cUxQam9QSjVURVRfaHlCUkpVTnFQQjIwZEE0MXhaWk16VzNNVWFidUlndDNKcHg2T193VDB1SXZ1WUlEMjFCbngxMEpkV0FyQUFpR1l6MW1QQUlndV9hMUd5aXlOQWFNbzJ3bFc0WDMtOFZqUGZFSS1qYW5ZS19IaXJWN3JxR1o1WmVXQ1loV2lKWnp6aWxTaXJSXzFB0gGfAUFVX3lxTE1uOXJ6UDVfZE1vQkpMUnpmOU1KdTJuQS1HS2F3TWtGR25QLTM5c0JTVjZKRkxzd2ZETE1hM2xWYnRsREtkU2dvdHV4NGI0R0p3aEZUeHJrN0NTMmVmWGpoMDY5T2d1cms1UUJCWkxGMU5PMVgyZ3g1blNna3BlNHdyOGxCek84MUJNQU1DLW83NVdzRVZUTGVZaklRVGRoQQ?oc=5) · KTVE – myarklamiss.com – Your ArkLaMiss News Source
- 2026-03-17 [Avenged Sevenfold, Good Charlotte And A Day To Remember Join Forces For A Huge Stadium Show - Rock Sound](https://news.google.com/rss/articles/CBMitwFBVV95cUxPM2MwQlpZSnZkd0JLYXZrQkg3T3FsNXdqQnRKbkZPSGJRVkg0QTNTMVdBbVVSME1JVXZYbnluS0VNMzNIMFl3Sl9KNzI4Z2I2UGpsN3hOMWdkb2R3ZS1NZWhQX1Q4Z215R2tmYzZHZjV0RFl2Ym1fS1JTUjNXWjNLR1lNRUpYTkFqeG9rQXdxcnc0YWwzay1UTUF0UHVYVmpEaGxLVGxmZlJyUFU5Wkh2VXNNYlNPVmM?oc=5) · Rock Sound
- 2026-03-16 [Avenged Sevenfold and Good Charlotte Announce Massive Stadium Show with A Day to Remember - The Rock Revival](https://news.google.com/rss/articles/CBMixgFBVV95cUxPQlZJSEt3OUptcmpMMTg1ekdCbUx5T08tWE9KWjJSSXpKSFduSF9NSkJmUWtGRmVGNndza1FIWkx1ZTQ4Slh6YVhadExTbGRFcmN5VWJnNTR6YUFpZ1lpeWNMSk1QMnZaZ0NMdGxrcjdzaEdpMGltZzJOeWhPOHBsTU5oOGNQTUhJZklIRWRUbnBRS2JBdjVOWDJwMWlwYVh6UXQ4TzFjWmRlZWM0cTB5dUhOcUxJbmY2dEVpRmREOHZUWlBValE?oc=5) · The Rock Revival
- 2025-02-13 [Avenged Sevenfold Setlists 2011 - JamBase](https://news.google.com/rss/articles/CBMibEFVX3lxTE5oZG12a2pZeVRqdE1qb21OelNudVdTSUFXVjZGZTlCQzlHcWoxUEgwSWpuQXVRLXRwMmh5dEM3TE11eW44X3NYRmVsVWVhNE5fblFPNUZLcWY1Y04xT0UxV2pSRHF4dUhDa2ZjeA?oc=5) · JamBase
- 2017-05-04 [Ex-worker accused of stealing from credit union is in jail - KSLA](https://news.google.com/rss/articles/CBMipgFBVV95cUxOeTFpd1pUcy1US2xqenFSYTNtdndEX254dVNCRERzd2tPWWRkd3lTV0ptRDBpalJrelliVEkzaTlOTldFNXV1LUU4anczUEhqVFdxdlo3eVN5WG1GYk9qYU53TUZ0bEdsdU1JQTA0U0xKY2lYUFQ0anh1a3hGUWZCY2F2R0FTZE1VQjBQUklxcjV4MmhQOHdQemxzbzVxdVI1SDhMakxR0gG4AUFVX3lxTFBEOHlHTnZ2NlpkWlh3UVFrVGZXTnlQLWlBU3owNXhlTG11U09BUG1IbXctODNSZnBnanBIUG4wLVlCM1I3ck93endiUW0tOFhValhXWGJqT2xfbjR0THoteUFKYlN0cFYtbTA3YjdFNF9BLXc4NGhUekU3blVtelEzeEJFdzFZRHFMZnk3UjY1bkpzdkNKUUdmS3lKU1NKa3NPQ002QTZsWGxqc3dIcTlaQzdyVlM0clc?oc=5) · KSLA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1725 (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/61.json (key "1725", 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=1725
- 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