# WESLA
Shreveport, LA · NCUA charter 20749 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wesla-20749

Who the members are: federal charter, community charter, organized 1971, low-income designated. 6,459 members of 387,155 potential (1.7% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $92.8M |
| Members | 6,459 (-0.6% YoY) |
| Full-time staff | 17 |
| Net worth | $13.8M |
| Net worth ratio | 14.8% (p68 of band) |
| ROA (annualized) | 0.92% (p63 of band) |
| Total delinquency | 1.37% (p83 of band) |
| Net charge-offs (annualized) | 0.08% (p29 of band) |
| Loans / shares | 43% (p18 of band) |
| Cash / assets | 59.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.85% (p59 of band) |
| Operating expense / assets | 3.49% (p47 of band) |
| Vehicles % of loans | 56% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p53 of band) |
| Vehicle delinquency | 0.68% (p56 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 0% |
| Average share balance | $7,048 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $15,298 |
| Loans granted, annualized | $6.1M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, repo signal |  |
| 2016-06 | 1 |  | delinquency 2x band, repo signal |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | members leaving |
| 2017-12 | 3 | 3rd-party paper>100% NW, auto monoline | net worth falling |
| 2018-03 | 3 | repo signal | 3rd-party paper>100% NW |
| 2018-06 | 2 |  | repo signal |
| 2018-09 | 2 | repo signal | losing money |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 5 | losing money, charge-offs p90, members leaving | assets shrinking |
| 2019-06 | 2 |  | repo signal, losing money, charge-offs p90 |
| 2019-09 | 3 | assets shrinking |  |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 5 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2020-06 | 3 | net worth falling | auto monoline, delinquency 2x band, assets shrinking |
| 2020-09 | 3 | margin squeeze | delinquency rising |
| 2020-12 | 4 | loan book shrinking |  |
| 2021-03 | 3 |  | members leaving |
| 2021-06 | 4 | members leaving |  |
| 2021-09 | 3 |  | members leaving |
| 2021-12 | 3 | members leaving | net worth falling |
| 2022-03 | 3 | losing money | margin squeeze |
| 2022-06 | 4 | net worth falling |  |
| 2022-09 | 3 |  | loan book shrinking |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | losing money, net worth falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | delinquency rising | members leaving |
| 2023-12 | 1 | assets shrinking | delinquency rising |
| 2024-03 | 3 | losing money, delinquency rising |  |
| 2024-06 | 0 |  | assets shrinking, losing money, delinquency rising |
| 2024-09 | 1 | assets shrinking |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency 2x band |  |
| 2025-09 | 1 |  | assets shrinking, delinquency 2x band |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency 2x band |  |

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

- 2019-11-18 [Suspect wanted after robbing local credit union - KSLA](https://news.google.com/rss/articles/CBMijgFBVV95cUxOb0NMSzhqdzVwY0hpM25nWFMza3Qya2NNOTNGTkh5aS12ZURpaXJFSVVfd1A3VTJ3MFcxUmdpdDNhRnRNTjNSelBTSGFCUHpyZnY3VXdQalZpdVpBSzlxZlowczc3NGdtZFBqdWZoeExPTUhWMEEzUWVOaV9JeVVrbmZIS0ljNlI1a1hiNXVn0gGiAUFVX3lxTFBJR0NtM01uZmlnSzJkbEFNSGR5LXpseVl6X3Y0RWVLbjNoVWg4ZW1uclhzSzc3ckp3U3laMnBqUHltRzIzd0RxRVB1eXZCZ1VwRTdwYVBZVzZjNl9McEVhUEJHTVB5WmlwWk9kRi1qb0dkZ2ZueDNXd1NlSU1lemNLczUtRy1TNjJpcndXUTFMTWhWQ1RqWHEyOGlkRHNTcldpUQ?oc=5) · KSLA
- 2019-11-21 [Louisiana bank robber falls 3 times during escape, still at large with getaway driver - ABC7 Chicago](https://news.google.com/rss/articles/CBMikwFBVV95cUxOb2lRelN5S2NFQ3hocU9WZXVCdm1yb2tUS00zYUgzVXZuOU9HTGlONFc2ZTBSMFRhMFdPWHJRZ0tZSXVic25FZ1lXUThxVS1sVWJJU1JKYzVLYkRlUjdEbDhHcXBfMGZqZ0FrdUtXYWdacUZpZFBoWUZEMnh2SnlveUFUMnJPazdFZFE5QU14NUJzNWM?oc=5) · ABC7 Chicago
- 2020-01-06 [CPSO: Suspect arrested in WESLA Credit Union armed robbery - KTALnews.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdE9NSi1aRVoyZXBlYVQzRThpeGNXZlltaDdtb1ZjaHc4enY4Y2dfanAzMWdDOWF0dlFONmdJOXpmaDRJZVRkcEgyWEVPS1dvbXF5SUItcldrRklpNnY1aFZCSURfMDJleDN1eXpYLVZsWHplX3poeGVGdXJvOGpiZHhmLW9BQXFwNnEwbU93U3dNTG9jTXNWeGRn0gGfAUFVX3lxTE54MTFwa0dxQl9TLXNCb1ZabW9OWGktOXZpeEh6TXdzRF92NmxEUV9xNGlvblNUdy1ZNHdXMEo2OFJfeGx6RjJMemZZSDQ3Vzk2Sjl2SXFWOE50X0xHOE9PSVJWanE3Vi12cERjNUtMSmlCTUlVQkpTUzdJVzNVTTdyVjAxOC1CMGFXdEphTTNuak1VTEJfNEdVd3hfaWVtbw?oc=5) · KTALnews.com
- 2019-07-16 [Lane Hall Obituary July 16, 2019 - rose-neath.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBWVHM4QWdFSHp6ZWdrUWxZRDA5dDF1cnpVcTVBSkl0Ul9zQ3N2bjVsdnJlNnY2cng5VVVaQ1ZxM0NDUVAtU2d1SGZkSy0xWnMySXNudXd1M21OSXM?oc=5) · rose-neath.com
- 2016-02-23 [Consumer alert: Phishing scam involving WESLA surfaces - KSLA](https://news.google.com/rss/articles/CBMilAFBVV95cUxOam1jdlVsTzJpY185WDF4aE9mQk5IYnEyS1FqUC11SHNLUlpKYjhTcG9DWXFIX2lqRmNkNmpITXB1UUYtel9YdGFobnlHckRFQ29CZy0xbzRaNFEzYkhTcTFsSWZ1R1E2bEdCaGZSazJQamFKT2NtLWVSX2hBX055eDY0YTRfb0M5S1h5S0NoT1g1dlpY0gGnAUFVX3lxTE1OTHRyZi1acmoxZUdJcDJEcVhVN0FfOWdwblVhYmxKRnJzM1hlSFpQZWJuQldYUE1oR09mQlo2TzhpZEVPcDltMWJ4Y01wcmx2eWg3eWhYci1QN0V0bmVGN19JYXFMYTJyRGM3c0tHNXMtZmpRaEs3UVM2MEtXT0owN3VTY1dIM2FWdVh0U1pwei1RcGg3aUp3cUR2cF9PdjlwTEJvUm5Z?oc=5) · KSLA
- 2021-01-13 [Bryan Robison Obituary (2021) - Shreveport, LA - Shreveport Times - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOR0xSN2h3TFFkWjNzb0JyU2NTZkRZcklFbTY0UDBZNjFBdU81ck5TbHJzOW5vMHVORWhhT2ROSWFlNW91WExBWjI1V3FuODNFNjZvXzMxMTFvUE11UEt4RC1CdnFIQ24zVzJKTGRMN2pkN1NYZ1N6RWp4TVZhNzRZRWxhdnJYeGdiZ3VuU3dQSTlLWS14cXc?oc=5) · legacy.com
- 2022-08-15 [Mary "Tootsie" Falcon Olmstead Obituary - Shreveport, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMimgFBVV95cUxQX2hZQTFKNVptVjR6M0FLUGRmT215UElueE8tYTRpZVF1QnVsSEYyLURQeDdtUWJlSEhTTTJ2NkY4WkxvSV9KcE5JVVNROUtpYlZxZ0U2dzQ5TFNCY0Q0VXd4QTZxdGtNWTZ2dTdhUlJVV0dKNDg3N3hwdTQ1QXQyOW1nMjhlemZIc1lVYWRTZXNLRFVzV0dySHJn?oc=5) · Dignity Memorial
- 2023-07-11 [Patricia Ann "Patty" Primm Obituary (2023) - Shreveport, LA - Aulds Funeral Home - Shreveport - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxObDROUUdrZFlKZlFNYVFvd0Q3ZTVmcnNqREN3RkNNUVE5UWVfeUx4dHl2VXdObjlmbUNXeUdEZVNaWFdBXzc1V01zSXRoOGV1RFBSNmpWeERHTHE3NndDOUJTemV5SG1QdG1Gc3hkY2dOLS1IMUFRR3Mtb2tYdllRb0Roaw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20749 (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 "20749", 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=20749
- 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