# A M E CHURCH
Metairie, LA · NCUA charter 23899 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/a-m-e-church-23899

Who the members are: federal charter, associational, organized 1982, low-income designated, minority depository institution. 261 members of 1,500 potential (17.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 1.

**Verdict on the desk:** this could be *too clean*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $67,755 |
| Members | 261 (-4.4% YoY) |
| Full-time staff | 0 |
| Net worth | $784 |
| Net worth ratio | 1.2% (p0 of band) |
| ROA (annualized) | -3.65% (p3 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p26 of band) |
| Loans / shares | 3% (p1 of band) |
| Cash / assets | 95.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.95% (p1 of band) |
| Operating expense / assets | 1.90% (p10 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $257 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 1% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $639 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 3 | thin capital, losing money, expense trap |  |
| 2016-09 | 3 | delinquency 2x band | thin capital |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 6 | net worth falling, charge-offs p90 |  |
| 2017-09 | 5 |  | net worth falling |
| 2017-12 | 6 | margin squeeze, loan book shrinking | charge-offs p90 |
| 2018-03 | 5 | members leaving | delinquency rising, margin squeeze |
| 2018-06 | 9 | net worth falling, margin squeeze, delinquency rising, assets shrinking |  |
| 2018-09 | 6 |  | loan book shrinking, delinquency rising, assets shrinking |
| 2018-12 | 5 | assets shrinking | net worth falling, margin squeeze |
| 2019-03 | 6 | charge-offs p90 |  |
| 2019-06 | 6 | net worth falling | assets shrinking |
| 2019-09 | 5 |  | net worth falling |
| 2019-12 | 5 | thin capital | members leaving |
| 2020-03 | 5 | net worth falling | charge-offs p90 |
| 2020-06 | 5 |  |  |
| 2020-09 | 7 | delinquency rising, loan book shrinking |  |
| 2020-12 | 8 | margin squeeze, members leaving | net worth falling |
| 2021-03 | 10 | capital below 7% |  |
| 2021-06 | 7 | charge-offs p90 | losing money, delinquency rising, capital below 7% |
| 2021-09 | 8 | delinquency rising |  |
| 2021-12 | 8 | net worth falling | members leaving |
| 2022-03 | 5 |  | expense trap, charge-offs p90, net worth falling |
| 2022-06 | 8 | losing money, expense trap, assets shrinking |  |
| 2022-09 | 8 | capital below 7% | loan book shrinking, delinquency rising |
| 2022-12 | 8 | net worth falling | assets shrinking |
| 2023-03 | 7 |  | margin squeeze |
| 2023-06 | 7 | members leaving | net worth falling |
| 2023-09 | 8 | assets shrinking, loan book shrinking | expense trap |
| 2023-12 | 4 | charge-offs p90 | delinquency 2x band, thin capital, losing money, capital below 7% |
| 2024-03 | 3 |  | charge-offs p90 |
| 2024-06 | 6 | thin capital, capital below 7%, losing money, expense trap, delinquency 2x band | members leaving, assets shrinking, loan book shrinking |
| 2024-09 | 3 | delinquency rising, assets shrinking | thin capital, capital below 7%, losing money, expense trap |
| 2024-12 | 8 | thin capital, capital below 7%, losing money, expense trap |  |
| 2025-03 | 8 | margin squeeze, loan book shrinking | losing money, expense trap |
| 2025-06 | 8 | losing money, members leaving | delinquency 2x band, delinquency rising |

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

- 2025-12-21 [Q3 Credit Union Mergers Signal Scale Shift As Acquired Assets Jump Sixfold - cutoday.info](https://news.google.com/rss/articles/CBMisAFBVV95cUxQR0ZfdkFBLXFiT1hKZnd1WS1BMWQzblJBajFLeVNDeVA3NHRyWWtyYm1BVktWTWZwRlVyc0RTOVZaa0k0cDR6YWNYdGFKdE1MeS1YTVFZcjl3OU9nYlpZWWVtVXA0U1didFFVMUhxVFkyMHd0LVpod0w4aWg5VW9fS2FXOFU3U2tuVUdFTXpERDhMdWp6UWp2c3YzNXNFbTVXSVV5U01kTlJ5ZW1hYzBnVA?oc=5) · cutoday.info
- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-12-24 [Albina church receives $3M boost for veteran affordable housing development - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbnlsSWoxZjhYRFlNSTE3ajdMRnJrdmw4WDV2aTczNWxXXzdQNkx4R25rOVZJeEtXR1B2TVk1WmxBekw1VjNEVWd0VDNtTFhwTFdtX1QwSlVqMnhVOGVkWWhaQXZucFQwc2I1aXh5UEZOUmF5enFETWJTQWpWN1ZPNHJ1U2EwM2JzeVJTTzBUMnZyVTNHaFQtZG5vbFRfQWllZGJoMER0cV9WSGc?oc=5) · The Business Journals
- 2021-10-03 [Bevelyn Bradley Obituary (2007) - Saginaw, MI - Saginaw News on MLive.com - MLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRmpUWVFDT1FudW9IelBUeVhkd3EwOElrbzBTZ09aRjNPMlhNRDQ0anRpbnhjRVFRbkVUN2ozTHJhWDFUVHM0TGZBalNnYTdtLUNZeGxnRHQtVlF2WDZNdDc4UGdpTGdQYXl0WXdCMTB6SDJ5Ry1FLWR3YlFSVkEwcDdHSVBxNW51V29pcFhWV2Q?oc=5) · MLive.com
- 2026-03-19 [Ronald L. Hickman Sr. Obituary (2026) - Youngstown, OH - L.E. Black, Phillips & Holden Funeral Home, Inc. - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZFRWR0RIZk9MTHM4X2xZTndpbDFCdWtEWE1HZTFGTHVBU2kwQzc1TVNLcnR0UVA2VWV1ZVpVZ1d5X2t6MWdOLVBYaDd3a3k5a0VnTVlSUUd3dzVvekRoeXBWd0FLODRsRnMtNVYtM2FKd0tVM3JsSmFzamM3aHNJZnFtYw?oc=5) · legacy.com
- 2006-09-13 [Gordon Yancy Obituary (2006) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZjJscXBaOVo2bDRJeHhsR2ZUbExraG9GSkxsODdLd3Y2ZGd0WEo3blJIcVljSk0xa2d1ZERSV1hBaDJlM18wN1d2V01PbnlWSVRnLVhvZHlDN3NLdmhBbFp4eTVuY0EwVU8zRnpCWXh0VUdTSnRacFMyazVZWnZmeWZmemxHaVpNRGd1NTIwbXY?oc=5) · legacy.com
- 2007-09-20 [James Ard Obituary (2007) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWEU3aTBfc2F2TF9uem1FZjlvSk12OHFCa1NUalVzS1JPaC16UXlWUDFIX1p3dFZHNGcxakthN0dEeWd5aWs0eElnQjgyOHhpdjFYcDF3RTNsa2xPcy0tMlloRTBUYTBYOS0yQnVLMHd5RFJadTRoLTN4SHJGa0plODRpbw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23899 (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/27.json (key "23899", 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=23899
- 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