# LOUVIERS
Newark, DE · NCUA charter 18765 · asset band $200-500M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/louviers-18765

Who the members are: federal charter, multiple common bond, organized 1968. 16,594 members of 101,211 potential (16.4% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $220.3M |
| Members | 16,594 (-2.9% YoY) |
| Full-time staff | 23 |
| Net worth | $38.5M |
| Net worth ratio | 17.5% (p96 of band) |
| ROA (annualized) | 0.07% (p9 of band) |
| Total delinquency | 0.36% (p23 of band) |
| Net charge-offs (annualized) | 0.19% (p25 of band) |
| Loans / shares | 29% (p1 of band) |
| Cash / assets | 7.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.58% (p8 of band) |
| Operating expense / assets | 2.90% (p22 of band) |
| Vehicles % of loans | 31% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.24% (p21 of band) |
| Vehicle NCO | 0.24% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 7% |
| Average share balance | $9,098 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $17,533 |
| Loans granted, annualized | $12.1M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | assets shrinking |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 0 |  | members leaving |
| 2020-06 | 2 | net worth falling, loan book shrinking |  |
| 2020-09 | 3 | margin squeeze, members leaving | net worth falling |
| 2020-12 | 1 |  | loan book shrinking, members leaving |
| 2021-03 | 4 | net worth falling, losing money, members leaving |  |
| 2021-06 | 2 |  | margin squeeze, losing money |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | members leaving |
| 2022-06 | 2 | delinquency rising, assets shrinking |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 2 |  | delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 1 |  | delinquency rising, delinquency 2x band |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | losing money |  |
| 2025-06 | 3 | members leaving |  |
| 2025-09 | 1 |  | losing money, members leaving |

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

- 2025-10-08 [Del-One FCU finalizes Louviers acquisition - Delaware Business Times](https://news.google.com/rss/articles/CBMifEFVX3lxTE5GM0I1OUhBdHB5Q2IxMnRCT3ZmWUZaSnRacldiT2pKdjc5R0I0cU9PYS14a0lMbGY4OWVqMWhhd1c3RGRQWVpQYlJraElFZzJLUGtUQV81bWhnZ19EZ2M4NkpGMVU4c0RPOE9NcmVqQTdQQXdKU3Y1MXVYREc?oc=5) · Delaware Business Times
- 2025-12-22 [Del-One Credit Union and Louviers Federal Credit Union Unite, Signaling a New Era for Community Banking in Delaware - Delaware LIVE News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQbW9MQloxekwyd1ZPcGlxTW9SamNIemZ3ekZoMHlhRjdGV2ZzSndYZkFHaHo3LV9yd1psckU5Q3hlYjk0ZC16bFBqTFZDNGFKcTA4VWF6RmRCUTZqclpiVERBVndSajBSZG1XMmYzVjRHZmlBMEYyQ0xmWV9TNjhDYThpaDR4Z0txQlFhX2Z6bUJMZE1GMThyLVpuM0RGR0xneTdMdFFuNWJnVWdSZWFqUjB5eUU2cnNSWTFtWk9tYVdJUzFWaHdFRUVKLWdCQmtudlRlV0FYTQ?oc=5) · Delaware LIVE News
- 2026-07-28 [What Happens When a Credit Union Outgrows Its Accounting System - PaymentsJournal](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNTZUMW05bm80N1dkWlVvcmxsVUNHZ0EtRXR4c3R0YktoOVF6a1E4VlFTVHdRR3RmbFNSUEoweVJwN0pPbEJQTGpmLThnakh4TTVMNHIzbzNtQ1hTRmVfQW5HQ0lMcHQ0ZERBUW1fMENMdl9YWlJHbUZjZVFVbGtSNGZUbFhEU2lDbHR4UGJ0aC12dkFUblpkdzdTTWw?oc=5) · PaymentsJournal
- 2025-04-08 [Del-One Federal Credit Union named top workplace - Delaware Business Times](https://news.google.com/rss/articles/CBMif0FVX3lxTFBoTXl5Q190WnUySnNUcWk0cmk3TzRCRHhZTExRdWZEZWx6OG9yQndScjFpM00yWmlUTzFwVXRSSmRibVc4TUwwRHB5MzZMcnRFOVZiYjBzNFQ1b2dwc1AyZFV4dE1vTU9MbC1WVE1CSERZZUk5Y2xuOV92dE1MX3PSAYcBQVVfeXFMTVBNZF9VY283eUxRaVZlTWVjQW12dXI0NmJsMVRLTWdGMVpfTWVTSTZIemZSQmhsZmphT0VmeXpfVzhnOEJRVm04ODZuQXE5cy1CdWtJM2txRTkwaXR5NjJrRVd2em5pdjBCM2l4UkloWWxYMmsybXlVMVJpWXVBRzV6RDBHNV9j?oc=5) · Delaware Business Times
- 2018-01-05 [Photos show ATM skimming suspect in Newark, Delaware - 6abc Philadelphia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQmJub2FrMzB6N0RRWm1mdk9yMFZNNEFYUTQyUXp2Ml9QZk1IN09JcDR3S2gzNEF6TldqcnY1aWN3N21EMnRQb1Q3cDFJNU5PLVhTMGdXXzZFUXRkc1dweHZKdHlpR2pSOWRodzRGSDRSY0VTSUR3ZVB2UkhtM0J0ctIBhgFBVV95cUxQc0ptcEZFTDB2emFCLTFwUnQxaWlyZmFXTlB3OHJQR0w2d3Bfb1c5bXdRZzhIcXhheER0aFM3LWJndjl2N09GTkdOM2Jtc1JuWHdsTlhLd2ZMUVFLZ0RiNmdmZWR6Q0xxZ0I4akRBZEkzZzhUclp0SlVJZFNaZWlRX0tyRnpPZw?oc=5) · 6abc Philadelphia
- 2018-01-03 [ATM skimmer steals from nine customers at Louviers FCU - Newark Post](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPRGlHZG1uVzZyRzBtWm5LSEMxWTJFbHZIZkxsRUt4SGM3dlRyU013LTIwUXhxQzNtOVFOUXUxemR2a0VmM0pFejRzZ0xIbWlpQWpTWHNncFprMFNtRDJNaXBiMFpyYmVYdTQ5S0pjUE9BM250VWxUQWtVbVZjSHBlSWszU2RSQlI4bFNQMDdMTVdRZ290T0szY3RpY1ktYjZZX1g0eEF4TXFnV2lURHB0NElGR1NyU1k4ZjNVamhfOV84Sjg5b2hzTS1zTlBFblZrNWgwZGFXdUdtQQ?oc=5) · Newark Post
- 2024-01-30 [New loan program aims to help minority-owned small businesses - Delaware Business Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxOR2VCT2h4WDhmV21va2V4cjRmSmVMNkxLSk5vVldYdlV1dVRjcmZKM2hHbTM4TWhrQk82clloT3czbFczQnVQV0N5cDhZZzhMR1RrZ1BmRkhmdVNhYXluWFZ6YnJtVjF2X1pxSlpaRmR3cVBGR2xudTJmZG5qRXhTV3VGUEpjbVJsQ1Z5enZLMXljTXRnR3JlSVZ0dnBweUJQNmJ30gGrAUFVX3lxTE9kMThnY2MtZmlDb1VjZnpRc1R0T2ZHYS1RX0x0c1NRLXc2OUFQMHN0RkMtTTNnQ3RRWVp0ZVppMXpoemI4ZXRUMTl0VGRoUjNvRjJjaXoybW5YMU1CZGw0U1RLS0RpUjdTdzlaWTVKY0c1ZzM4TEkzdEFSTVJKRDZLTGZYNl9UTTRITHVENDYtVkN5TE9McHpsYUJIaVhiQjVaUDlSYXRhZGN1Zw?oc=5) · Delaware Business Times
- 2007-04-11 [GLADYS DULING Obituary (2007) - Wilmington, DE - The News Journal - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMHRPSGlDa2k3Q3VuVXhHZURsbzhCSDdRdzgxcEZFMU5vWUt0SzBCYTNyOWcyMnRER2pfWVEteFZCa3pfY05YZEV6RDBROTBGa0wyR2pnQTk2ck1mQ1RQeXBIZ1VxVlhKRHdmNThDV1dqNFFtclFwT2xydmhLc3VDT2xpa2labWFaV1NGbEJ4X3VSMnlwSHc?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18765 (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/13.json (key "18765", 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=18765
- 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