# LA TERRE
HOUMA, LA · NCUA charter 20002 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/la-terre-20002

Who the members are: federal charter, community charter, organized 1970, low-income designated. 4,924 members of 210,000 potential (2.3% of the field); checking penetration 7% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.4M |
| Members | 4,924 (-1.8% YoY) |
| Full-time staff | 9 |
| Net worth | $1.6M |
| Net worth ratio | 6.3% (p2 of band) |
| ROA (annualized) | -0.33% (p18 of band) |
| Total delinquency | 1.00% (p62 of band) |
| Net charge-offs (annualized) | 0.26% (p67 of band) |
| Loans / shares | 92% (p92 of band) |
| Cash / assets | 10.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.07% (p87 of band) |
| Operating expense / assets | 6.15% (p90 of band) |
| Vehicles % of loans | 84% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 632% (p100 of band) |
| Vehicle delinquency | 1.00% (p65 of band) |
| Vehicle NCO | 0.02% (p70 of band) |
| Repossessed % of vehicle book | 0.54% (p97 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 8% |
| Average share balance | $4,105 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,537 |
| Loans granted, annualized | $9.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 5 | repo signal, auto monoline |  |
| 2016-09 | 7 | net worth falling, delinquency 2x band |  |
| 2016-12 | 6 |  | delinquency 2x band |
| 2017-03 | 7 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2017-06 | 6 |  | delinquency rising |
| 2017-09 | 5 |  | net worth falling |
| 2017-12 | 3 |  | repo signal, delinquency 2x band |
| 2018-03 | 3 | repo signal | losing money |
| 2018-06 | 4 | expense trap |  |
| 2018-09 | 4 | loans>95% of shares | expense trap |
| 2018-12 | 5 | net worth falling |  |
| 2019-03 | 3 |  | loans>95% of shares, net worth falling |
| 2019-06 | 5 | charge-offs p90, loans>95% of shares |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 7 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 5 | net worth falling | loans>95% of shares, delinquency 2x band, delinquency rising |
| 2020-09 | 4 | delinquency 2x band | charge-offs p90, net worth falling |
| 2020-12 | 6 | delinquency rising, charge-offs p90 |  |
| 2021-03 | 10 | net worth falling, losing money, expense trap, margin squeeze, loan book shrinking | delinquency rising |
| 2021-06 | 8 |  | delinquency 2x band, net worth falling |
| 2021-09 | 9 | delinquency 2x band |  |
| 2021-12 | 10 | net worth falling |  |
| 2022-03 | 10 | thin capital, assets shrinking | margin squeeze, loan book shrinking |
| 2022-06 | 9 | delinquency rising | net worth falling, thin capital |
| 2022-09 | 9 | members leaving | delinquency rising |
| 2022-12 | 9 | thin capital | members leaving |
| 2023-03 | 8 | members leaving | losing money, thin capital |
| 2023-06 | 7 |  | expense trap |
| 2023-09 | 9 | expense trap, delinquency rising |  |
| 2023-12 | 10 | thin capital |  |
| 2024-03 | 6 |  | delinquency 2x band, expense trap, delinquency rising, thin capital |
| 2024-06 | 7 | expense trap |  |
| 2024-09 | 6 |  | members leaving |
| 2024-12 | 7 | thin capital, losing money | repo signal |
| 2025-03 | 7 | delinquency 2x band, delinquency rising, repo signal | charge-offs p90, expense trap, losing money |
| 2025-06 | 5 |  | delinquency 2x band, delinquency rising |
| 2025-09 | 4 |  | assets shrinking |
| 2025-12 | 8 | capital below 7%, net worth falling, expense trap |  |
| 2026-03 | 9 | losing money |  |

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

- 2022-07-30 [Suzette Thomas Obituary - Houma Today](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5HZWs4Y2dnWlRQekhDTTVJRmNzYk1Sem41RXRkNnM0S2tzQ09KV2Z2a3piLUVidkQ1TTFzRnJKMktkdGRackxOanMzTDJiclRMN05IbUt6TVdkUQ?oc=5) · Houma Today
- 2018-09-26 [Laila "Bonnie" Bollinger Obituary Sep 26, 2018 - Chauvin Funeral Home & Crematory](https://news.google.com/rss/articles/CBMid0FVX3lxTE1HRGV0NlpRQ29DcU5QRTVPaEo3SzJwY3BUODVkU0RTRDFNZC1QMlFEaTlnWlludFdrcVpGb2QtX3hfTmdEaHotaFJqTUdFcnE4cGg5SER3cXlQNjNZakozbkJYT0pHYXlsczlFOUFqZlZRNlpEdEQw?oc=5) · Chauvin Funeral Home &amp; Crematory
- 2024-03-17 [Suzette Thomas Obituary - Houma, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdm1EZzVwai1OMlVSMGthMnpkRlpUYW9Rc3EtenNUMWRDVFhmUkFzYXRXMWM1aEh5OVlvMnRQb3RlQVhUbjZLcEVzSndZQThwcE4zRVVTQ3RBT0JTUFRTem5KVTc1dHFyckU3dGc0NmJabndFRk1icXNiaW5JbjhhaQ?oc=5) · Dignity Memorial
- 2024-09-07 [Downingtown’s Beloved De La Terre BYOB Closes Its Doors - VISTA.Today](https://news.google.com/rss/articles/CBMickFVX3lxTFBneVpFVHBGZm9DaHJyUUJhU2hSWlZPdE9yX3NWZms2Q3JmYW43ejZxMk01XzJDa3ZpV05ncFFwZjg4U0FyQUVXOWlPNGRkSXlMVnNablUtVTNnb2l0endxUVJ3ZXlSanZ1S3ZDbXFhY2YwQQ?oc=5) · VISTA.Today
- 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
- 2017-05-18 [Taste of Terrebonne features gumbo, jambalaya and more - Houma Today](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOMndiUTZHWFN3VVMtNnJkNTdya2FONVFpRHF3dDRZYkpnSjJpdFNIRExYeWRpQ3M5ZGxLOGx3WjRIQ3J4aVNhY3IzQjJ0RjdPS1pkSXg5a1Ayc2FvVEJyOXVGdjZDcmZfdV91NHh3Z3BCN011TnpKS05vUU9aYUJ6U1lrLXAtYzdGMHB4cWE3cWJrdHpJajQ2ZHlmUi1nRVpmdmpxYkZXX25nSThXSFplbWM5T3dvV0wwWlBOU3E4UDRMQ0k?oc=5) · Houma Today
- 2017-10-31 [Choiseul Cooperative Credit Union Honours Choiseul Icon, Imogene Mitchel - The Voice St. Lucia News](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaG1sSk1JNmxkR2paWlZQdkFaaVg2dWpYVVNoQnY2TTAteVBmcmlCcHU1YzRJUS1DTHZsbVJmUmV0bkZnOVJQWmlZNGZodlIyVkt6X2JUTDcxSUVybW0tRG51UkJ6YVVoWExTTUZiZVlQeFhLVTJpUE44ck9IT0sxcDVWa1ZKMFJzRWNWaUlsSmZndGRhWHBHaURPcVBxOU9sdU5RZjkxMA?oc=5) · The Voice St. Lucia News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20002 (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/34.json (key "20002", 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=20002
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide