# LIVINGSTON PARISH
DENHAM SPRINGS, LA · NCUA charter 19295 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/livingston-parish-19295

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 1,734 members of 3,000 potential (57.8% of the field); checking penetration 11% (share draft accounts per 100 members); loans per 100 members 18.

**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 | $11.5M |
| Members | 1,734 (-0.4% YoY) |
| Full-time staff | 3 |
| Net worth | $2.4M |
| Net worth ratio | 20.6% (p76 of band) |
| ROA (annualized) | 0.22% (p34 of band) |
| Total delinquency | 5.20% (p93 of band) |
| Net charge-offs (annualized) | -0.52% (p4 of band) |
| Loans / shares | 51% (p40 of band) |
| Cash / assets | 52.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p32 of band) |
| Operating expense / assets | 3.60% (p49 of band) |
| Vehicles % of loans | 59% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.57% (p93 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.29% (p95 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 32% |
| Average share balance | $3,530 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $14,765 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, repo signal |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | repo signal |
| 2017-03 | 3 | losing money, charge-offs p90 |  |
| 2017-06 | 1 |  | delinquency 2x band, losing money |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 3 | delinquency 2x band |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | losing money | delinquency rising |
| 2019-03 | 4 | net worth falling, repo signal | losing money |
| 2019-06 | 4 | charge-offs p90 | net worth falling |
| 2019-09 | 5 | losing money |  |
| 2019-12 | 5 | net worth falling | assets shrinking |
| 2020-03 | 6 | margin squeeze, members leaving | charge-offs p90 |
| 2020-06 | 8 | charge-offs p90, loan book shrinking |  |
| 2020-09 | 6 |  | repo signal, net worth falling |
| 2020-12 | 6 |  |  |
| 2021-03 | 5 |  | charge-offs p90 |
| 2021-06 | 6 | net worth falling, repo signal | loan book shrinking |
| 2021-09 | 5 |  | net worth falling |
| 2021-12 | 3 |  | losing money, repo signal |
| 2022-03 | 4 | losing money, assets shrinking | margin squeeze |
| 2022-06 | 5 | loan book shrinking |  |
| 2022-09 | 4 |  | loan book shrinking |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 3 |  | losing money, charge-offs p90 |
| 2023-06 | 4 | repo signal |  |
| 2023-09 | 3 |  | members leaving |
| 2023-12 | 3 | auto monoline | delinquency 2x band |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 3 | delinquency 2x band | auto monoline, losing money |
| 2024-09 | 3 | delinquency rising | repo signal |
| 2024-12 | 3 | net worth falling | assets shrinking |
| 2025-03 | 4 | margin squeeze |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 | auto monoline | delinquency rising |
| 2025-12 | 4 | net worth falling, delinquency rising | auto monoline |
| 2026-03 | 1 |  | margin squeeze, net worth falling, delinquency rising |

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

- 2025-09-24 [Ascension Public Schools barred from opening credit union at high school, AG's new opinion says - WBRZ](https://news.google.com/rss/articles/CBMivgFBVV95cUxNU2g4cXRmZ2txUzRfUklxNFRFaWtRcTR6eWJhQ1l4dGVYaUZfWmFxME9mV1VRek01TEkxcHluNWZ4WTJxVlpHalU4U0sweFRvUXRaLWU4azZzbmZZUkdqQkdGTHZyRVBpNGREblgzYnZxSll2cHpzRi11NUZIRndseUhMUGxBX19ZWGVaeldXQ1FOd1kweGxtMDBZZ3NTbUEzRGtyZkEtbHRPc3FDN201RDVscGhQSkRoWndhanVR?oc=5) · WBRZ
- 2019-03-06 [Walker High welcomes 4 businesses to be run by students, professionals - WAFB](https://news.google.com/rss/articles/CBMinwFBVV95cUxQNFJQdjFmY1VtTGRiWTVwMDNaYlhfVS1SSmE2Uy1HZzhFXy0zYkxpUEYwRFdUR1E4czl5MlJvemZfN09GZVVnMmJpOUF2RnVNSU5ZUEp3M25DYmZFZXpYeHZtRWlmdk1mZElwYmFMa09YRW5mSkdhRGdnREJjM0d2WDNEVWQtM1YzUmpvVUhMNHBRcDZyOUpzMVpCYS04VUHSAbMBQVVfeXFMTVM1clo5OVJIVy1KQlJlTDVLRnJXTkx4WVhFT3JXUzluYnBOSWNYTnZNN1JtcnlQOXJuQXhVSDhXd2pFTERWclFOZV9SVi1MVE9qUVM3UjlJdE9qdlk0anpuWDd4UlJhbVlHX0ljOUI5VDFVZWVwejVfaXMzTHNEMGRWWmpfbDh5bFVPdy0xbEhuYndHeXNqLTlJOGc4MENsV1ZIc2FuV0tVcEVUaVh5SkFEZ1U?oc=5) · WAFB
- 2017-06-04 [Jefferson Financial reopens credit union office - Livingston Parish News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQR3ozTXZtd3Ytbmc4d3E4ZmNIYS0yUThZSUNISS15c1VILWM3TjhSX25WQTZfdnZOTVduMUpDZTdMOUUtQk05T0dzQlhXY0hDU0pUWmVGLWFmQTFvMFNGdXl3QVRGZXBkMWNsbnZGcjdqOFN3ckdJN2k2NHpXenFfTTlMNE5COXl3Q29YamF6MUo4M2duaWFuOFRzWF8wdnM?oc=5) · Livingston Parish News
- 2024-05-12 [Livingston Parish Chamber recognizes 2023 award winners | Business - an17.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQY3E3WG44SFZkcTlYX0xMelo0SVRybmhRWFpsQWd3YWVXN1kzQUlNa2NUNUpMRGFzM25laTgtSHRtOEpTUDYycVRVS0FPRkFmNEk1WXc1cHNzbnBmN1lrYkZ3dEJpb2xvRDd6aWRUQVBybTZxaDRvbnVaQ1RIYlBDLWl6YmtwNFk5ZEItUFlSZ0hoSHcyd1BmVnoxa1QxZzdxS0t3ejJkalZVM2pTcS1jZE9PaXdGMll1YXAxVnRaODFSMFRzYUFEeUtZWWNQSllKQU9KM3BPZw?oc=5) · an17.com
- 2017-06-14 [Jefferson Financial Federal Credit Union holds ribbon-cutting event - The Advocate](https://news.google.com/rss/articles/CBMiogJBVV95cUxNUmdqV24xa1lYVFE0MmdBcTZPcUI2NWZOTl8xbi1iZVNwQTZBbGRReWstWUstaFI5QkthY3FqLWFtWWpqaUxQem5CR05XbUhGRVdqZlF1NFNpLVdvcmF2NnQzc2hOT0tnekF5MlVDbHJyV1c4bC16R2IwcE5GVmxwSkpFWlFtNktiNWtYX1liSDhsU1dRajltclVvREpPNFhkLXZQc0d6RjF1TDc4cVpEU3BTM2lGTDJuLTVqYnpRZkFPX3NRY1FXaEhUZDRGM18xbDM4eFFucTNuZk9nd0JFZDFSb0xJWEdrQzZ2TTJCLU9rYVF2aWNmTFlCM2I4bllmUkJMQ19xay1IcTFRVmdvdGFvVjZQSmN1cEhrNHltcVZJUQ?oc=5) · The Advocate
- 2024-01-22 [Chamber recognizes multiple classifications of award winners at annual luncheon - Livingston Parish News](https://news.google.com/rss/articles/CBMiygFBVV95cUxOa3FJNEtha0ZlXzJjSnRFOGJGQ3lzd2RSbVBrSWpLT1hteW1mdzBIM1lnVnEzbGhid1Rpa0JIRE1iSEdmcnlmZTRqRU5Gd0I2cTVHalNCRTd2ZUV2ektkYzNCbGQ3dWlJZnhnckpWcU5PZE1kY2tWNEYtdWtaQ3pyTEhpUVR1amlrRi1tWHRoY0JyWWxXX0R2MWRER3lTb0hhbWxLd3h1RkFKTTlITnBScnIxVy1TSkhWMDRJbi14N0hhVHQ2ZTYwN1ZB?oc=5) · Livingston Parish News
- 2012-02-06 [New location: Baton Rouge Telco - Livingston Parish News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOam13UnR6czdqVFNUUnEtdklxUHVoZ0k0VHhuRjZ3b0otSWZxSTZSNnR5UmpOaWhfcUFsYU5DN0dnOGxzdmg0UmVZeGt6UHVZVWR6eTRsOUlqQlNRZjczZUhTdHF0MnJmbmJXXzZub0pWYnRfYTI3OFdpTHlLWGo5Q1o2Mm5hZ0U3?oc=5) · Livingston Parish News
- 2021-03-29 [Denham Springs man apprehended in East Baton Rouge after robbing credit union on Rushing Road - Livingston Parish News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNdzdxWWU2bk9CRjlVbzQ4aHZYYkxBT2lWNGZlWXJUOGxPR3pQXzdBRzJsVFZ3TjYxRmhvdWJtS3BTQU1tOUl5QzJFVndjb3VPQ21SU2xfZUlzczNUYzJoNmF1aks0em5Oa1pEc3ZpZ0pzQkFzd2VZSWVNT1lTUWJMRlhYUVdkMkkxR2RfdW5lR3RteTB4ZFkzX29EWC15MXVXLWFsLXJPSUt5d0FZUkpjdlFxVmxyZzJBbXNvbFFVZVpRNnNXUldPSnRaVHFYSzBWZDVNX3Y3NlFwQWRt?oc=5) · Livingston Parish News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19295 (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/31.json (key "19295", 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=19295
- 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