# ENGAGE
NATCHITOCHES, LA · NCUA charter 22005 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/engage-22005

Who the members are: federal charter, community charter, organized 1975, low-income designated. 4,236 members of 310,000 potential (1.4% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 47.

**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 | $29.2M |
| Members | 4,236 (27.9% YoY) |
| Full-time staff | 11 |
| Net worth | $6.1M |
| Net worth ratio | 20.9% (p77 of band) |
| ROA (annualized) | 3.76% (p98 of band) |
| Total delinquency | 0.79% (p56 of band) |
| Net charge-offs (annualized) | 0.09% (p58 of band) |
| Loans / shares | 92% (p92 of band) |
| Cash / assets | 24.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.42% (p71 of band) |
| Operating expense / assets | 4.65% (p73 of band) |
| Vehicles % of loans | 76% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.61% (p55 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 | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 22% |
| Average share balance | $2,920 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,666 |
| Loans granted, annualized | $10.4M |

## 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 | 3 | loans>95% of shares, leaning on borrowings, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 | expense trap | net worth falling |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 | delinquency rising | net worth falling |
| 2018-03 | 6 | delinquency 2x band |  |
| 2018-06 | 5 | net worth falling | delinquency rising, delinquency 2x band |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | net worth falling |
| 2019-03 | 3 | margin squeeze | leaning on borrowings, expense trap |
| 2019-06 | 3 | leaning on borrowings | margin squeeze |
| 2019-09 | 3 | margin squeeze | leaning on borrowings |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 3 |  | margin squeeze |
| 2020-06 | 4 | delinquency rising |  |
| 2020-09 | 3 |  | loans>95% of shares |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 1 |  | delinquency rising |
| 2021-06 | 4 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2021-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 1 |  | loans>95% of shares |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | loans>95% of shares |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 4 | net worth falling |  |
| 2023-06 | 5 | margin squeeze, delinquency 2x band | net worth falling |
| 2023-09 | 4 |  | delinquency 2x band |
| 2023-12 | 3 | net worth falling | delinquency rising, margin squeeze |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 3 | delinquency 2x band |  |
| 2024-09 | 2 |  | delinquency 2x band |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 2 |  | loans>95% of shares |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | loans>95% of shares | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | loans>95% of shares |

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

- 2026-08-18 [Uplift Investors Announces Acquisition of Technology Consultancy Engage fi - Yahoo Finance](https://news.google.com/rss/articles/CBMirwFBVV95cUxOS1lsWWNpOVdwU3FvdUx2VDJFUXhuY1psWUowS2lfQ012UURNUXAyN284MEw0UEtvTjV6OENWbnFyai1nY1FXVUJMYWlPcXBVVTdTNU5ybXE2cXAtT21VOTJpOXlkSUMwZnBRWUk4MUU5OTg3aTMyVnZuc2VubTdVTG1VOXFmUmdQY1p1M3J1ZW11WUMtT2N4YXp0WTBfNVkzZ19KYzhrYmhjUUNTMURj?oc=5) · Yahoo Finance
- 2025-10-29 [Los Angeles Rams | Building confidence, trust & community through sports | RISE with the Rams - Rams](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcWR0cUZJZ04yRnNVQ3N4U1VtTUZVTldVVUZrRDYtMWEzUHdxc3RYdlBrWDZLTVRNclJOeEwwa2Q5UW1sRVk0aW5BMWVpY1dhSlNIeXlrSUc2TlB1T3FMQ05mNVJRaS1zbFdianNjUkNZYllZTTZJOGl6X0JENW53dkQyU0x1cEdaRm1WNFIzMkRObklYQ2lF?oc=5) · Rams
- 2026-06-24 [vivenu Introduces vivenu Engage - celebrityaccess.com](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5qaFJFTEg3X1BzaElCdTVqemMyckhXYWVxQnBIZ2RWV1RhRDBXVDhNS180a2FPd3NNM3kwT2loWW94ZDFObG9ybmN5UjFZQQ?oc=5) · celebrityaccess.com
- 2020-08-26 [Make it so: Red River Mill Employees FCU rebrands as Engage | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOa0pkNEZETXYwX25pSTJWQWZKS2ROd2xLaWVLdlZ6aFVFNWlSbHVZbldCaGNlX2RNSnlwN25iRlh5ODVYeGJybUE3WjB1VWpmbWY4UWsxNzBvanZkNFh0MzQ0WVRXdWIwTlM5RjFVVEF2LXFQSkIxQ25GRnRndFNJZkcxbkZteVdTMzdDSGhFbTU0ZXIyWlg5UWhUS2VSdk1vQlFnbm1hYkRMODg?oc=5) · American Banker
- 2017-04-29 [Home of the Explorers to Have New Name in 2017-18 - Atlantic 10](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5GVGt0azNnMzFndU9pdWxDblRTSG1tNkR0M2pJbTRUeWdKREtacU9seFZKQ2czakF2ZXZXcnpPWWlVeTNGSnBJLUczQ2hRNkFUMG5wYjZ2b1NDWjhrbXFPc19B?oc=5) · Atlantic 10
- 2025-03-04 [Breaking: Trump threatens to arrest, imprison American students who engage in ‘illegal protests’ on college campuses - columbiachronicle.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOT2p4dTczZHFGVFFPd1pQSXVEaEpfZ3ZOeEVPc1p2dS1DQnlLNzNBaGtUeXFQOTBkZTlLRXV5RVRsYjNIM0hHalk0bmhzU1V6QVRlY052d1EwUnNVRnNFeFAtcEpVbW52U09XNzZQWloyeTA4SjdtYzYyUDU3c25qLVNrS1hldWFmWkFfU0lNUzlCZDE5ZENCcDlkUW5qVDFadExvbUJXRkc5dzhQRC1mVkxmajRiQm5BdXBWMUVDY1Ryd1NHZTc4V1R5OGRidmg4MEQ4LXVmblNUWWVFdmFJNkU2QQ?oc=5) · columbiachronicle.com
- 2021-06-01 [Slipknot Announce Knotfest Roadshow Tour With Killswitch Engage - Revolver Magazine](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdU14R3JMeVl0NGVQMEc5V21Hc2RYWWJCVUsxMnZhNFdDRnYtaUx5TWRKZ1BWblRlUFhVUHQwT0V3V1Q3alFrNElTUlY3Y3lDTHF6OU1ub2s3Rzc3VTl6X2VncnduVDZXNlg1YnBJU0hnRHdqdGVVV0hKbWRUQXZJZ01TQzBCS1haYnIzNUphREQ3Y01TenpwY2ZB?oc=5) · Revolver Magazine
- 2025-06-17 [Killswitch Engage Partner With Environmental Charities For "Aftermath" Music Video - Theprp.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxPSWhKd3N5cFpZNlBEb2V4b3VfeHY4Uk5veGl6WTNpMWlrZUtKakZnSmVWcGszb0JfbHZrV1ZDSlFMa0kzV3NPNGNxZjFTOEhZeWZwa0c2SzBFU2tkQUE5cEhUZGhMM3lNWWVROVYwNFk2OEZ3Z05Oekc1Z25EbkE2UUN0VTNoTFU1MEpZeGx2cVVhdG9OeEM1QWV2eGEzMi1NbjhMaGdLZ1VpQ3pUd3pTNW5TWTFsM1RkME9Hdw?oc=5) · Theprp.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22005 (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/53.json (key "22005", 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=22005
- 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