# BATON ROUGE TELCO
Baton Rouge, LA · NCUA charter 1726 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baton-rouge-telco-1726

Who the members are: federal charter, community charter, organized 1936, low-income designated. 34,762 members of 982,687 potential (3.5% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 59.

**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 | $456.4M |
| Members | 34,762 (1.9% YoY) |
| Full-time staff | 82 |
| Net worth | $56.7M |
| Net worth ratio | 12.4% (p66 of band) |
| ROA (annualized) | 0.94% (p68 of band) |
| Total delinquency | 0.32% (p23 of band) |
| Net charge-offs (annualized) | 0.89% (p85 of band) |
| Loans / shares | 101% (p98 of band) |
| Cash / assets | 6.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p23 of band) |
| Operating expense / assets | 3.10% (p26 of band) |
| Vehicles % of loans | 68% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 458% (p99 of band) |
| Vehicle delinquency | 0.26% (p21 of band) |
| Vehicle NCO | 0.78% (p59 of band) |
| Repossessed % of vehicle book | 0.20% (p84 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 50% |
| Average share balance | $6,064 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $374,234 |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,424 |
| Loans granted, annualized | $139.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $374,234 outstanding purchased (0.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.1% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | net worth falling, auto monoline |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | loans>95% of shares |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | loans>95% of shares |  |
| 2021-03 | 2 |  | loans>95% of shares |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | loans>95% of shares |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2025-12-25 [Louisiana - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxQS0F4R0JYSGt1MDk4ZWVENTZrWEgyT2s2U1N5bHNJdF93VkYzZXNKbFg4TWEteGw3TnhNSXpfVk5odTRLRXNnSC1hX1NFc20xcUNxeHJYeHVvbmdkN2FzdWdLTUhSZzJzeG4ybW9jNzVlWDl3UmtUcjRJaEJlQmtUTV9IemV2cWU1TkxyUjRmS2I?oc=5) · Newsweek Rankings
- 2012-02-06 [New location: Baton Rouge Telco - Livingston Parish News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOam13UnR6czdqVFNUUnEtdklxUHVoZ0k0VHhuRjZ3b0otSWZxSTZSNnR5UmpOaWhfcUFsYU5DN0dnOGxzdmg0UmVZeGt6UHVZVWR6eTRsOUlqQlNRZjczZUhTdHF0MnJmbmJXXzZub0pWYnRfYTI3OFdpTHlLWGo5Q1o2Mm5hZ0U3?oc=5) · Livingston Parish News
- 2019-12-18 [Baton Rouge area credit unions team up in support of Our Lady of the Lake Children’s Hospital - The Advocate](https://news.google.com/rss/articles/CBMimAJBVV95cUxOQXZFVmlOSFpicXNQWjNtZll4dXBMVXRxQmtmM2JNSjFoQjc5eFVXVlh3Wlk5aDdFYWVCZk1pWmVneW5UaVhQVjVucmFFaVZGV29RZ05nallob090NW50Y3ZqdWRDcTEtSUVjdVkzZ2UycHBpVkVQUXI2U0dBclIwckRSeHk5Q0JiNGZOc2lFNjFLVkV3bmNCOFV0OEhhRWdoSHhaR1UzOE0zM2RLU19VYm45SEExa0s5TU9aZXFsTW5xQ1g0aTlBZjFEV1dtLWYzOHk0QkEwR0xXdmVqdWNVSlRVcDVDNlluODUzT3loaFQzUzFUVzJZbzRLWURwaFgtYnF0RThTV1J0RkdUOEk5NjBPRV9nblFi?oc=5) · The Advocate
- 2018-03-09 [Romanian nationals accused of putting credit card skimmers on gas pumps, ATMs across LA - fox8live.com](https://news.google.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?oc=5) · fox8live.com
- 2023-10-10 [Gallery: Priming Your Social Media Strategy for Amazon’s Prime Day - The Financial Brand](https://news.google.com/rss/articles/CBMizAFBVV95cUxNWGVub3J6c1ozbTdCVGlwSDRoT1FidWJWc1c2azIwdi1YYUs1YWhlcEF5QnAzNEZBQ0NRRHZEcmlueGM4cE4tLWdFdDZfX1k3UHBvS3VubjJ6aDZDQkVLQ21GV3lnSTh0OUx4VjhzaDk0SnN0cU9SVTFhUWpzbThaanNrYmFGWXNzTjBsWThxdFI0SXBPRU5ScEhoRGVBUzBHdDRkVGs0R2lMMWc4SmRxTVc4dU5hRjdYbmRrc0FrOXFCVUc5VzV3QWJKczQ?oc=5) · The Financial Brand
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2011-03-15 [Floyd Eskine Obituary - Gonzales, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQVnplM0JoYjNYY2lKdjRIbFVVYnRYVm85RC0xN1BxWXZhem8zVUduOXRBOTQzRE5OMzdPeHlWTlJjRFhoZFd2TUFLUF8yS2g2c251V0s1SlpwdlprVUtTQlJ2U1VNZGl4QTZrUFBwcWxVNXhSclhwMFVicmd2N0J4dA?oc=5) · Dignity Memorial
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Louisiana - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONHkxM2I5elJkRlhlSzNSQU9ZLWFMQlBTdVBnQXBzcU1GRjYzZ3JvN3pxendiNUk2WFNtMHl5VDBkRE9JNWNFY19jZUc5ZzhnNFpyTEFwa1UweEwxd3M5TWVSMG9kcHJmWEVHN3Y4VW5UUFp0OF9wZFk0VTR5aEZZWTUzRE95YkJPQVZhMGpZLXQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1726 (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/62.json (key "1726", 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=1726
- 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