# LOUISIANA BAPTIST
alexandria, LA · NCUA charter 21968 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/louisiana-baptist-21968

Who the members are: federal charter, associational, organized 1975, low-income designated. 761 members of 300,000 potential (0.3% of the field); checking penetration 25% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.9M |
| Members | 761 (-12.8% YoY) |
| Full-time staff | 2 |
| Net worth | $851,315 |
| Net worth ratio | 14.5% (p48 of band) |
| ROA (annualized) | 0.47% (p45 of band) |
| Total delinquency | 3.16% (p88 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 81% (p82 of band) |
| Cash / assets | 30.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p55 of band) |
| Operating expense / assets | 3.48% (p45 of band) |
| Vehicles % of loans | 76% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.05% (p88 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 27% |
| Average share balance | $4,557 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,167 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | losing money |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | delinquency 2x band |
| 2017-06 | 3 | thin capital, net worth falling |  |
| 2017-09 | 4 | repo signal, leaning on borrowings | net worth falling |
| 2017-12 | 2 |  | thin capital, repo signal |
| 2018-03 | 1 |  | leaning on borrowings |
| 2018-06 | 3 | delinquency rising, assets shrinking |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | delinquency rising, loans>95% of shares |  |
| 2019-06 | 5 | delinquency 2x band |  |
| 2019-09 | 3 |  | assets shrinking, delinquency 2x band |
| 2019-12 | 5 | repo signal, assets shrinking |  |
| 2020-03 | 2 | net worth falling | delinquency rising, loans>95% of shares, repo signal, assets shrinking |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 4 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | net worth falling, loans>95% of shares |  |
| 2023-06 | 3 |  | loans>95% of shares |
| 2023-09 | 3 | margin squeeze | net worth falling |
| 2023-12 | 2 |  | margin squeeze |
| 2024-03 | 1 |  | delinquency 2x band |
| 2024-06 | 4 | delinquency 2x band, assets shrinking, loan book shrinking |  |
| 2024-09 | 5 | delinquency rising |  |
| 2024-12 | 6 | margin squeeze, members leaving | assets shrinking |
| 2025-03 | 5 | assets shrinking | margin squeeze, members leaving |
| 2025-06 | 3 | members leaving | loan book shrinking, delinquency rising, assets shrinking |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | delinquency rising, assets shrinking |  |
| 2026-03 | 4 |  | delinquency rising |

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

- 2023-06-09 [Baptist official in Louisiana arrested on sex crime charges - KY3](https://news.google.com/rss/articles/CBMijgFBVV95cUxPS3VDbmZTNDZZemp4SkRqazBoZEpBWGoxc1JSdFgxUm4yaURVQm9UdEZIX08zb3k0YnJEcER5RV91Z1hrMHdRYkJpUFlnMGZINTN6dHhXaHRET1c1RUxfSXFPQ2g2SlcyeG5fdGV4R293QWVHMm82YmtBQVVQNEFTYXlvYmZudEJ6eFRMMWNB0gGiAUFVX3lxTE1od0FBSEZ6anR4RDNhazMzWVlTamFVaW9mSXJfYzZabXhhRkM0dmw1X3o4czdFRTJXZV9XVDJ5NkJvbGpZZ0Y0SG1ncE03Q2phbUxQd090LWUxMkNBYi1vX3NHTTF3OFYtTXlpeHJEdy0xc1JrRTBTQ0pWNnQtRk5mRmhDRkpMTnlhcGtpWHJwZFFZUG5CWUVVSU93RG42V1J1UQ?oc=5) · KY3
- 2024-05-23 [Arthur Spence Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxOQjRBV280bnlLZU05Z2JjOHJPSm5rcXJESUxqVXRhWTMzZ1hYM21RNjdYNW1Zend0ZEJNVkUwRy1tWTAxZktvblpxLUdVd3ZlYlVGR2VVSEd2SWFralVuWUk4MzgybjVCSFZxUFJiQUJ3MGFVM1ZzNl9WaG16TExjSWIwOGdDZ00?oc=5) · Dignity Memorial
- 2021-05-13 [Monroe Chamber honors top business performers - thenewsstar.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPZkZDc080S29PTkNRZFQ2cmRWT1F5TDJoeFg2clQ0WngwMHpvYnZoNHRwS3BDcUxnMjVzc3g5T3k4R2ZSYU9iQTlGX3h2ZkF3azQtdVpUNXN4SEpNalVlWkRfUXRucl9CTzBKaDhlZGdUV3psWDZsbTZjSUd4cXlrUkpyR2lBcExxb1ZfNDNjYkZyWHpuVHZqQWdvWWpGWVNETWVuVm10Nkk0RkJu?oc=5) · thenewsstar.com
- 2011-07-02 [Obituary information for Edwin Corbett - Hixson Brothers Funeral Homes](https://news.google.com/rss/articles/CBMid0FVX3lxTE1IY3o0Z0thQ0lrTlBwWHZvY2JFWWdGcmRSRVliZUtuOXp1ZWRjcTZWcjFuV1Vyazc5VUMxWHBkX3JBTkNjdTZOUDR4aXRIUmQ2TDJ2YnJfa204YzJUZjJ1SmdvRkY3cmNJWVJHZWRtdk1uSHlBSEdV?oc=5) · Hixson Brothers Funeral Homes
- 2016-04-29 [Vivian Tilton Obituary (1928 - 2016) - Elizabeth, LA - The Town Talk - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbHRZS215endEbFdfbVQ1R1BBaTNDNFFpd0k4bFN4ak1wTktDRmYxYy1hb2Nra2JuMHFYOUp3SGNlZHNFZ01LUUJMenRETHFObGhmdnNVNDVUYUZJVzRfYWZ0UUI0Y1hNWFE2U0pFQUNnNUhEZ1RPWTFEWHFWUUZnblk2T3k2MkJJWmZDQjU1elp1Zw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21968 (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/16.json (key "21968", 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=21968
- 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