# POST OFFICE EMPLOYEES
Shreveport, LA · NCUA charter 24712 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/post-office-employees-24712

Who the members are: federal charter, community charter, organized 1934, low-income designated. 5,031 members of 425,339 potential (1.2% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $59.8M |
| Members | 5,031 (-0.6% YoY) |
| Full-time staff | 17 |
| Net worth | $6.9M |
| Net worth ratio | 11.6% (p38 of band) |
| ROA (annualized) | -0.44% (p7 of band) |
| Total delinquency | 2.06% (p94 of band) |
| Net charge-offs (annualized) | 0.68% (p80 of band) |
| Loans / shares | 54% (p38 of band) |
| Cash / assets | 39.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.85% (p60 of band) |
| Operating expense / assets | 4.67% (p81 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% (p25 of band) |
| Vehicle delinquency | 2.39% (p92 of band) |
| Vehicle NCO | 0.41% (p61 of band) |
| Repossessed % of vehicle book | 0.89% (p98 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 20% |
| Average share balance | $5,632 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $11,059 |
| Loans granted, annualized | $8.5M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, repo signal |  |
| 2016-06 | 7 | capital below 7%, losing money, charge-offs p90 |  |
| 2016-09 | 8 | net worth falling |  |
| 2016-12 | 7 |  | net worth falling |
| 2017-03 | 9 | assets shrinking, members leaving, loan book shrinking | charge-offs p90 |
| 2017-06 | 7 |  | losing money, loan book shrinking |
| 2017-09 | 7 |  |  |
| 2017-12 | 7 |  |  |
| 2018-03 | 6 | losing money | assets shrinking, members leaving |
| 2018-06 | 7 | assets shrinking |  |
| 2018-09 | 3 |  | repo signal, capital below 7%, losing money |
| 2018-12 | 3 |  |  |
| 2019-03 | 5 | repo signal, members leaving |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 4 |  | assets shrinking |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 6 | net worth falling, margin squeeze, loan book shrinking | repo signal |
| 2020-09 | 4 |  | members leaving, net worth falling |
| 2020-12 | 4 | repo signal | delinquency 2x band |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, loan book shrinking, repo signal, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 3 | delinquency rising, members leaving | net worth falling |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 3 |  | thin capital |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 2 |  | members leaving, assets shrinking |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 2 | repo signal | assets shrinking, delinquency rising |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 4 | margin squeeze |  |
| 2025-06 | 3 |  | delinquency rising |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | losing money, expense trap |  |
| 2026-03 | 3 |  | margin squeeze, expense trap |

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

- 2020-08-26 [Shreveport, La.-based postal credit union rebrands - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNMEx6MXdwN0plZ3NJeERtS3JwMGV3ZEJ1VHYtVEVSeE1IRGhrM3B6c083bDQ4VldrZHdUSDJicmZGOWxJQ0p6a0Jnb041ZjRFOXdLWjdteXBxUFVvSU1oS2lVU0RyTzRrX1hscnYyMW1yejlwdXhLUllaeVQzYjVqTUhNaWNCWnZQcC0wRUFLNGxDTHNwcGVUWGNyOXVPdw?oc=5) · American Banker
- 2023-02-12 [Louisiana Credit Union League names board members - NOLA.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNNXBwaVVfcUF1ZXptSENFWjQ1UDFwdy1fLXNNWC0zYk9VLWx0aVZXNkFRTXJkVFlmaVByejZaVWtiUWc2c3VUS2hudzlUOU5YZFRIaFRsT2l5RDRDN1ItR0x6Um1SV0xpRXVqeGdZMHl2TnBrODRsTnZpLVFmUmZ3T3R3VW9SZjRaczkxenAxTHJ6QUJXeTlheTRmeHZOTG9nZXVUY05OanJraldSSTMyaEFyM1Z1b2d3Vm9sNHdpQk5SV2JydTJnRXlZMHV2eEHSAdQBQVVfeXFMT2M4NVZ3VmVRMWIydU1mYVJaeU5SOWZ6ZllVMDQzenNaQWJDWXpsQzExU3NSQ3oyd0tZODN0SFZ0S0hwRzFMR09YSENVaFhSLS05ZmZDbkc4VDVCek5FZFdabXRyU2lrMEhqYjFNODhwdjY2MDZPdUtVSXkwZVBNNGV4M1BBZzZxemF6RDVXa2s4UEVwWlliazN6LXZJbWlBT0c4TmNqTThWUE5QU1pUdDdhd096d251NGhUX1VjdmlKdDkwdnFfMkZYQUhzYk9vQ1dXZ0k?oc=5) · NOLA.com
- 2025-06-13 [Luminate honors exceptional achievements at 2025 Luminate Awards ceremony - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxOSEVTZHoyM05nNnRvR0tUdV82LVkwX3NRU3VFMllhWm52Y0RuZEpOV0UwYWIxbUVCR2R1YlRDR08tc195MC1SbFlDakhkVGdzcE54VEFKSnc5em1DdTkxWEIzZlo2QkNiMHNQUW9zWVRFVkRJUm1aS2xkZ042Z1prbVROa3VteXB4cmZ0ekI2SWNIcVEwNHFRdEVLTzZVMW1UakkzUUx2M1YxSXJSTGwwcFh4cDY?oc=5) · CUInsight
- 2022-03-08 [Marvin Silver Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPN0dLenV4RndxWVhHUWliY3dKdW92aFpYQzdQLXZMbEJxUTVKc2tjc25XUGZDRktyRVlDLWx6TGt6VmwyUEpBVWViN3kwUFJkMlRhMG5QU2JGLUJuZmZTaHNqZFZVaXlsRnkzU2hpX05Db05hT19UbWlmRnJjekc1RHdfcWFqZTQ?oc=5) · Dignity Memorial
- 2022-03-24 [Bonifay (Faye) McDougal Obituary - Shreveport Times](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5qb0NzS0xQNUoxYzlEMEdEdUZySEhKSkRWdGhVYjZOVlRQbWlOSTRpMC11d3l5VmhUVzlOQXNENUUtWHg4OVJmZmlCdlRoeEhfMmJCWkcxZ3hGVXRjemVsQkd3?oc=5) · Shreveport Times
- 2018-05-08 [Bossier City car dealer gets 15 months in jail over 3 fake loans - KSLA](https://news.google.com/rss/articles/CBMiowFBVV95cUxQaVMxWDdmVG5zcHJSY2N0a1BWLXU0UzJyVndFSEY5dlhGR2tKTlZhX2FWY3NSeFpNMHU0a2l6TUU1NnMwWElxSjZYV0dob2JSYXVid1dlN2pncjFXVDg1YlotNFM3WWNKYTBlTW5WMENPcGk5Yzc5RmpzcUVPRWROOTY4c3IxUkVFNVlNOG51a2VyRklpdjVJVENjVVZYSHJhd1pN0gG2AUFVX3lxTE10RFc2LTNlcEh3UkhyWDRNbE1LRW1sbzRxclJpcXRkWE1SbS1peUlwRm82WVlXLS10NTQtc25SME1XNEZyLWZZcVM1TzFhVlZPRENPMXVJVTNwSUF2ZkM4TzlvZmhyelEyZ3ZncGdyVmJsVUNHTF83cTBXaURUYmZ3Q1UyZllGYlYwUFY3cXlwemE3RENCM2NlblhHNmd1TDU0Tkp2VVVwZG1ZYThacGRVTjBYRkd3?oc=5) · KSLA
- 2017-12-13 [Bossier City car dealer pleads guilty to stealing $177,000 from credit union - Shreveport Times](https://news.google.com/rss/articles/CBMizAFBVV95cUxPZ0NxSUJaWHduZFRVelVtbUh1djFsdmgyOG9PZDhHSEsyWXFoQm1lUmxyTk1Bb3pmbWNmdkozNWR0WlRfcnZrM0FwY0R1QmljajFHODdZS3h5S0J6Y19xdTh0MGtaWDluZDFVX2tDRVgzRHVDTDdsUnF6M3N2ckYzSndwNHcwV3E4VnNMbG13dENhb3hEbTFMdTNuT3I2NW1ZUHRhemUwdmthYllvWkdnQmNuOU5PN3BQNWZwaFBCM0xuSjBycFNqTFVTWFM?oc=5) · Shreveport Times
- 2021-10-16 [Charles Gleason Obituary (2016) - Shreveport, LA - Shreveport Times - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZVJqNWVVOG1kYzVGZm1fSEdiNkNhMV81RXZTNVNudjhvX3QzSFBWZHVuZHpzeDdiS0ljWG04RVZzT3dPMHM4T2VlZ1F0VG1kOU1PT3VwS2NLYm9SOWJsSzNJajkxa1ZKZTR2OXlDU3Zva0ZrZ25NTU5iSFJyd2ZMeThsVjhjNzRYRzgtNl9GVWhWZ1A0RGpLa2tB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24712 (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/8.json (key "24712", 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=24712
- 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