# LA PORTE COMMUNITY
La Porte, IN · NCUA charter 2051 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/la-porte-community-2051

Who the members are: federal charter, community charter, organized 1937, low-income designated. 8,215 members of 111,111 potential (7.4% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *ordinary*. 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 | $75.5M |
| Members | 8,215 (-0.2% YoY) |
| Full-time staff | 27 |
| Net worth | $10.0M |
| Net worth ratio | 13.2% (p54 of band) |
| ROA (annualized) | 0.92% (p63 of band) |
| Total delinquency | 1.66% (p89 of band) |
| Net charge-offs (annualized) | 0.71% (p81 of band) |
| Loans / shares | 87% (p93 of band) |
| Cash / assets | 14.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.51% (p88 of band) |
| Operating expense / assets | 4.77% (p84 of band) |
| Vehicles % of loans | 57% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 121% (p88 of band) |
| Vehicle delinquency | 0.83% (p63 of band) |
| Vehicle NCO | 1.04% (p82 of band) |
| Repossessed % of vehicle book | 0.08% (p82 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 18% |
| Average share balance | $4,469 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $12,060 |
| Loans granted, annualized | $12.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 2 | net worth falling, members leaving |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 2 | net worth falling, delinquency rising |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | net worth falling, expense trap |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | expense trap |
| 2021-06 | 2 | expense trap | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | margin squeeze, expense trap |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90, members leaving | delinquency 2x band |
| 2023-03 | 1 |  | charge-offs p90, members leaving |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | 3rd-party paper>100% NW |  |
| 2024-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 2 | delinquency rising | charge-offs p90 |
| 2025-09 | 2 | loans>95% of shares | delinquency rising |
| 2025-12 | 2 | delinquency rising | loans>95% of shares |
| 2026-03 | 3 | delinquency 2x band |  |

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

- 2018-08-15 [A La Porte County Life in the Spotlight: Robbie Masterson - GreatNews.Life](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVTQtLVAwSlgwWUdjMDF2M1pmTmpMd1QyWG10bmF1YXYtQ3UtWGFSTm8zd3RqbmstS1dCLWliMzdHdkFNM2VxOEVWRUNOczBwTS1hMzdrR2V5YlpJU3NORmJvUjJYZnNSd1JVTXVYQ1ZaZ2FpOWFMdmRDN29xQlpHOWRmRzNGcWRaSno1eWhuWnk3dw?oc=5) · GreatNews.Life
- 2025-09-10 [New Building Planned for Credit Union - Hometown News Now](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBmMFFQWWZseUxEZlU3Yzg1eVN2WlYyWU8ySzhSa2NCOFpOc1pCNW9QMEh6V2V1cG5KNUM4RzVLbXQxUVd5TVJNUzAybHhlMEhBRjhtOGlwemE?oc=5) · Hometown News Now
- 2024-07-03 [Dr. Sandra Wood Announced as Superintendent of La Porte Community School Corporation - GreatNews.Life](https://news.google.com/rss/articles/CBMitgFBVV95cUxNSkRNRm51aEQ5em12WDhnLVZwRERJclFKTXpaMXkwWjdCSHlDU1YtLXRlRjdpYUZZVUprQ0JsN19tNDAtNXY4NUp3b2ZNYlp3dmNjV0tfY2EtbXdrTXpHYTJLbEpoTkgzbjdNM2FVVDdtMEFDSWhDc1RYNmt2YVJxd09lcjVJeFVmaUpqLWROOHh1bVk0SVA0SmtLbjRZRHR2cHZoOXVWdndydkpNem9WNEJuMWJhQQ?oc=5) · GreatNews.Life
- 2023-10-18 [Julien Hernandez Obituary (2008 - 2023) - La Porte, IN - La Porte County Herald-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNN2dabF9URW9UMmZuWTBmVWYtMUxnSXc1LUFvREhrN043cTIwZ3dFVzZtOGlvbFBMOWhxYk5FZGZXQ0hQZlhZNWhnanVpbzRWSzk0anJHbjNueXBtMVhnVUw3OGNKWTdkaHlTREhobkh0YTM1NTlVaC0wcTdBb1VReXpKaWVKQ2pNQlowOEhWMEZZOEgwdklETXpyRFk?oc=5) · legacy.com
- 2026-08-18 [La Porte Community School Corporation 2012-2013 School Year Information - GreatNews.Life](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeE1hM3VKUDhtdEtFYTFoWThPaWg1RWZqSGQ1V0VrV3VNQUFTVEs3MFJPT2h0ZVVGMkJmYXpQUTBiVGVaRS1WNmJTLXZ4MkpSZXBkNHczUHlXWko5dkV3UFhfdTJ4STItWEpZLVV6ckoweVBZTUNwNjBIX2tMX1BBcnhGTnYyZWJ6NkRxTVFBT0JramxHLUloQ2wyanJtNEh2Vno5aDJnTQ?oc=5) · GreatNews.Life
- 2006-06-24 [Kathryn Crate Obituary (2006) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPU2tYOTR2bVY2eV9mSXI5azFfZFFrQmdhX3RYSnlfdlBOSy1mSE5KWmpHemI3dE5yRmNwNy1FU01TWWdsajYtT1V4SkpvVjVTZW1LVGwxTE9KeFl5aE9KX1NVV2RWdWRjV3RhZ1JibU5FazZsQ0VUOXlCR3Y2X2Z4V1JMS1lpUlhPTl9WMzBtVUllbXhENXFPbQ?oc=5) · legacy.com
- 2017-04-11 [Purdue Federal Credit Union – People Helping People - GreatNews.Life](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVlJkUTgwd09aVEllb0JySExkUnJRaC1WTmZPRndIMUJ5YVloRkd0cG4tZ0RPS3BxdFdFVEpTQUs5NnhfMW84TFVoTGo4RVJXcTlRZlNVblBXOXRMLUViQUQ1TGZwc1ctYVNJWFBzZHV5VFJCTmd1dGZmNEJEMy1RcTUtcEtYYXNX?oc=5) · GreatNews.Life
- 2023-02-13 [Northwest Health – La Porte Announces New Board Members - GreatNews.Life](https://news.google.com/rss/articles/CBMijgFBVV95cUxQR1FSNUFLZ3o5V01va1BvVHFKdW1UVHYwcWJiNURmZUVsYjhkcUNURW5SdUdickUwNDIwZExTNFVlYmp1RzRDVWdDRm0zZHpqLVhzYTlzOXlLZHp3NnpvUGhMQUJxVF9jeE9DSTVmN1BmWXR3aGszYlRRZlF3Z3U0TEl6VElreThVVEtNMkZB?oc=5) · GreatNews.Life

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2051 (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/3.json (key "2051", 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=2051
- 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