# WEST MONROE
West Monroe, LA · NCUA charter 22527 · asset band <$50M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/west-monroe-22527

Who the members are: federal charter, government (single sponsor), organized 1976, low-income designated. 403 members of 1,125 potential (35.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.8M |
| Members | 403 (-6.9% YoY) |
| Full-time staff | 2 |
| Net worth | $165,605 |
| Net worth ratio | 4.4% (p1 of band) |
| ROA (annualized) | -7.20% (p1 of band) |
| Total delinquency | 3.79% (p89 of band) |
| Net charge-offs (annualized) | 0.00% (p18 of band) |
| Loans / shares | 74% (p69 of band) |
| Cash / assets | 29.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.99% (p19 of band) |
| Operating expense / assets | 10.30% (p98 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.47% (p88 of band) |
| Vehicle NCO | 0.00% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 29% |
| Certificates % of member funds | 71% |
| Average share balance | $7,769 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $13,089 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 1 | assets shrinking |  |
| 2018-03 | 0 |  | assets shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 2 | losing money, assets shrinking |  |
| 2019-06 | 1 |  | losing money |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 | losing money | assets shrinking |
| 2020-06 | 2 | margin squeeze | losing money |
| 2020-09 | 2 | members leaving | delinquency rising |
| 2020-12 | 3 | net worth falling, delinquency rising | margin squeeze |
| 2021-03 | 2 | losing money | members leaving, net worth falling |
| 2021-06 | 1 | auto monoline | delinquency rising, losing money |
| 2021-09 | 1 | losing money | auto monoline |
| 2021-12 | 1 | members leaving | losing money |
| 2022-03 | 4 | assets shrinking, loan book shrinking, auto monoline |  |
| 2022-06 | 2 |  | assets shrinking, loan book shrinking |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 1 | assets shrinking | members leaving, auto monoline, delinquency rising |
| 2023-03 | 2 | losing money, auto monoline | assets shrinking |
| 2023-06 | 5 | delinquency rising, assets shrinking, loan book shrinking |  |
| 2023-09 | 3 |  | delinquency rising, loan book shrinking |
| 2023-12 | 2 |  | losing money |
| 2024-03 | 5 | losing money, margin squeeze, delinquency 2x band, delinquency rising | assets shrinking |
| 2024-06 | 4 |  | delinquency 2x band |
| 2024-09 | 4 |  |  |
| 2024-12 | 7 | net worth falling, expense trap, delinquency 2x band |  |
| 2025-03 | 5 | assets shrinking, members leaving | margin squeeze, delinquency rising, expense trap, delinquency 2x band |
| 2025-06 | 11 | thin capital, capital below 7%, expense trap, delinquency 2x band, delinquency rising |  |
| 2025-09 | 11 |  |  |
| 2025-12 | 11 |  |  |

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

- 2021-10-04 [Centric Federal Credit Union announces retirement of longtime leader Joleen Martin - CUInsight](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNeEtOQ0pGYkViSGVqTkJIUzhDS3oxU1plU2tKMHVsVWNZV1VmSkE4M3NEQ25FRXBIYnNaQ2dtZnVaSjBMTWVLeGFBQmJQNFF4ME43aldRZC10TWdMdnJzZjMwMG54alh6VV9tcUNNR0NBelNmYlo0N3FzR08ySUdWeXM0dFZIWHZnVHhfOTc5V3c1djdjSDZvaEJpS2JpUzJTci15RlQ5MFR3bWM0b1A3ZGtFNVhwMzJrZFNXZnpkZlQ?oc=5) · CUInsight
- 2022-10-04 [Centric Federal Credit Union in Louisiana promotes president to CEO - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxPRjFHdmZtTGR4WlVYZmt1LXVuSGxwZE0wejZmaG4zWGdyT1R4eU42RG50SXBIZFloZEx5NW1aRGI3aDAxX3paYXhhWS1YWXR3bHl4MWQ5b3BpcEFUSVdSaWJvQjRZVU0tcnFKd2gwelNFQzlnZ3I0RFI1QWw5dDc0bXRxX1dsMWZRQ3ZrMlBocWJ0NnhhSHVTNC0zQTcxVk9vS2Q5Y3FXZTNWUTZIVkh1QXBIYS1VNEk?oc=5) · American Banker
- 2023-02-07 [Monroe woman accused of stealing over $20K from credit union; arrested for bank fraud - KTVE – myarklamiss.com – Your ArkLaMiss News Source](https://news.google.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?oc=5) · KTVE – myarklamiss.com – Your ArkLaMiss News Source
- 2022-10-16 [Stanley Dale Liner Obituary Oct 16, 2022 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFB2Z2dvcnhCTnNzcXV0ejNfWU1vMUxNNi1oNzcxcXRBSE51d19UT25qOWs2RUNhc3ZGRFgyV193R2I5NlpiLVduNHM4VWlOYVNfVzU4bndIRVRrbXFkcDJDelBRajdCU0V3Q1FGcA?oc=5) · Mulhearn Funeral Home
- 2009-05-26 [Credit Union Completes Transformation to ‘Centric’ - The Financial Brand](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQYjhSQlFIV1FJamhNdG9BNF9rZ0NuV2Vzc0JCQzVxOVVPWUJYYjFXeUstMEM5M1d1bXpHQlJqMkZQcTZlRUpYRHRJanBwX1RkckY1Mko2eHBMNExGY0hCUnkxamFmdk4zT293Y3hFR2FrYlJubEUycklDalVHclNfR2lCbzYtSTdJQ0ZV?oc=5) · The Financial Brand
- 2023-02-07 [Monroe woman arrested for alleged bank fraud - KNOE](https://news.google.com/rss/articles/CBMifkFVX3lxTE8wb291Ul9Nb3RmajQ1bmEwLXhIZjZ0MkJCWGwxa3dqMEd0RVJzaHlIRTdUalJaQm11dENVSmUxMTRvMjNvLTdzSXZldDVPSEdFcEk1WElSZUZJYVVsZ2JZa0t2YkxWaEJTZUNKTUM1QkhSNUgydDB4cHFYYkRBd9IBkgFBVV95cUxQaE5KbTFkVWlSd1Ytbks2cHo0dGRiNVBGVnlOWnY2VS1ENFdrM0xkVW5EamNhTFJYVjFKVVBUYlpTTTBRVzVlcFBPZWQ5QktiOXVqRWRaRzJnY19zMjdLcWxZN1Z1alVNaGIxQVRHYzE4ZTRYeFNVV1UyS1VkT2tLUkpqZENkN3d4MEFQME5xT0kwUQ?oc=5) · KNOE
- 2014-10-29 [Deputies arrest credit union robbery suspect - thenewsstar.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOQTlxYlMzTEFWdmNKTlA1d2xTWDA0THZxUm9uNnJ3aE5qX3hXZ0tZUjhVbXpRaGVPY2c5LVRKTFYtY1BPeS1hSjRXVS1fOGdUdGF0cTFMVklrZ21JNUF3d0pkSFlqa2JiYjNzX1Naa2R1SFJheWo2NE5oWTk0Vnc5YWp5aU9Kdkt0emdxempCaERNT3BBZUtYLU54c2dqUVNhMVVRRw?oc=5) · thenewsstar.com
- 2024-05-31 [William "Buck" Lelon Corbin, Jr. Obituary May 31, 2024 - Resthaven Funeral Home | Baton Rouge, LA](https://news.google.com/rss/articles/CBMibkFVX3lxTFA4YmpUd0VTRU9LNTc2M2RpY29LM3I4TlFJWm1YUkRHNEgxYVJkT2JNVGZhNENOYXpmb3kyT1FNcWtXVi1mNmlaVTVJMUFHSnNrZU1WMW5STG43d3NuMFpCeU00OS1lSmN3WHcxMk1B?oc=5) · Resthaven Funeral Home | Baton Rouge, LA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22527 (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/63.json (key "22527", 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=22527
- 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