# FIRST STREET
DERIDDER, LA · NCUA charter 20417 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-street-20417

Who the members are: federal charter, multiple common bond, organized 1970. 3,355 members of 4,500 potential (74.6% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 49.

**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 | $60.3M |
| Members | 3,355 (1.1% YoY) |
| Full-time staff | 8 |
| Net worth | $9.7M |
| Net worth ratio | 16.0% (p76 of band) |
| ROA (annualized) | 1.29% (p78 of band) |
| Total delinquency | 0.08% (p10 of band) |
| Net charge-offs (annualized) | -0.07% (p6 of band) |
| Loans / shares | 58% (p45 of band) |
| Cash / assets | 24.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.57% (p6 of band) |
| Operating expense / assets | 1.67% (p3 of band) |
| Vehicles % of loans | 71% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.11% (p18 of band) |
| Vehicle NCO | 0.01% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $10,413 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $17,529 |
| Loans granted, annualized | $13.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, losing money |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | delinquency rising, auto monoline |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 1 |  | delinquency rising, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 2 | delinquency rising | assets shrinking |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 | net worth falling | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-04-06 [A Bloom-Filled Tradition: Experience the Skagit Valley Tulip Festival Parade in La Conner - Love La Conner](https://news.google.com/rss/articles/CBMitAFBVV95cUxOdzZfaVpiY2VaQm4zUzhkaEhGMXhRSkk0eG91NkV6X0hwd0V5cmxDMnQyakoxTllzcmZ3MnJiX0lpTkJidXVNcmNXN1FMVXF1Z1JBdkduUUtuajQwVW1YM3BJZ2FHZ2N1RkIxaU5yTkk2dW1uQ3FVYll3clZfY0ZIaVJMNUhVcG5qbzAxTGp0YkV6cWV4ODI1Y1F6Yi1ZR1VqMGtGajBmR2VMX3oxUDA5TUdJMWk?oc=5) · Love La Conner
- 2026-02-11 [Things To Do in La Conner During the Skagit Valley Tulip Festival - Skagit Valley Tulip Festival](https://news.google.com/rss/articles/CBMisgFBVV95cUxOLXZPbC02dzZEYWhlajJWSy1zSjQtMmc1YnVlMHZMMlgzNThUVURrRWlXZU42ZlgzeWY2TmpfSnlvRFpLNjllYThSVzhqT3J0RUI4MW1RRUxRWVNRVUNWWG5JWmpaaUd3a29ka29RQ0RaRHdpX0xCdlo5UFhxU1JlTFBXVU1rVXdoM1JpMkJhaEVmVjM5MG9FRXhrdERzZm8xMmtOVzh0eWY1YUc0Vk1SRUxB?oc=5) · Skagit Valley Tulip Festival
- 2026-04-14 [Braving the rain: Skagit Valley Tulip Festival Parade held in La Conner - goSkagit](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOQUxLSV8yUFc4NzNKcHFBZTJCQXpoWk5nek1BLVM2UE1hVUJsd2J3YVh0S0ZoUWIwdzhzU19EYXI0R05LQXlaSm9ZWk9zN0U0VE54Z2FRbkVmTDdwOUw1MUFmenBTUFoyeGtKZ0l4dzc2a21jWEdrbXJxM2RfTEtvLUdfd2ItRGlKb0lWNzNKb1NGbWprdXpVY2ZsSldxa20zUVBtN1BkTDdldVRETVlUUUFDZXRwOVdLdmpmU285QzRNU2tlUDhWOHdaeHlFbWZBLWRBQnR4RUYxck5Bc3o3SzdERGZNSXJITmFB?oc=5) · goSkagit
- 2019-04-24 [Weiser to get an Icon Credit Union in July - Idaho Business Review](https://news.google.com/rss/articles/CBMijwFBVV95cUxOMTZ3bGZiaGhsRGxJR1padVktWGotTWpwX1RJTG1iR0ZhZGh6NW11RWs1c1JCSnp3OFpLd19BQ19LbDdLcDZiNHk5d295dkFBNURFWmJMTGc4emRsNjQxSWE1MTc4dnVlU1c1dk1yZ2FmNkdaMzR2LVpyT2FrS20xTWl0ZU5LV3ljbHF5UHpzMA?oc=5) · Idaho Business Review
- 2021-02-01 [Black Wall Street: Then and Now - PBS](https://news.google.com/rss/articles/CBMikAFBVV95cUxQSWNFVjNBblZtTHd4RXBhdS1feGo0dzZJVmVtZE5sSXQzMnVOM1p5R1VMUEp0NWMyRDhfaHlYWnV2eWQ1MWR2OUVnRjI2dUJtR3pxWGFsNlVRN0NOZC0xUVVyWXExZUJlZVhBMDV0VXJJWnZhRGdMM095ZG5Kb0RMclZxR0lTRXVnNVZJQXZhNmY?oc=5) · PBS
- 2022-10-18 [Napa home to new admin campus/branch of Redwood Credit Union - napavalleyregister.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQRzJob183dTdBUWhTOFhtUzVMd2VENjFnUDhrSE5pdzJHVndtTENSWFdfQ2s0MWdnOE1DcUp5RW1leENNWThzRW5fZ3Q0Tkx4YTh1OVRuTXp5OUJ2SzNiblRkT0xSVm83eGMwWmktQUk3WWttVjI1M2RuWGhfRFhVRml5Mlc3WUZJck16VHU0ajJOMkNuSWwzeHExaG1qVnZ1NGtMYVdwVWg5SkhTWU12dkNFYlB4aWl6UmJ3Wnl1S3hUbzNGaHlvd2FiUDEyUldpRGRJbzg2T1hES3lEUGZBMXhQOVM?oc=5) · napavalleyregister.com
- 2026-04-24 [Freshly Painted Red Curbs - Larchmont Buzz](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeThqS3VsOWJ6aGFycDlNOXNEcUJDejdsTVk0VFZwTWpfR3pGdExuZzRCaHV1ZDJqTkJMVFpPWUJrOEJPNVo1Szd0ZUdDQU5yTnRSdjkzVWVfZ3Frc3pQaHFCQWlxaEFVZW9XZjc2SmJlb1dkMS14bmc5elhLTk5tVw?oc=5) · Larchmont Buzz
- 2024-05-14 [Robert LaPoint Obituary - Pleasanton, CA - eastbaytimes.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5LcDJQUHNRYW5ZNVprYzhEUkVidUJnSWdna0ZZaW9KSDV3SUo2TDBrZldkVVlBbFZwTldROWZDOWFfcTNJQTBjUUZWVTF5RGlicjZ3eV93T1ZhZmdUNGpnaWlDVm5NS0ZVS3lB?oc=5) · eastbaytimes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20417 (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/1.json (key "20417", 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=20417
- 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