# SACRED HEART
METAIRIE, LA · NCUA charter 3069 · asset band <$50M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/sacred-heart-3069

Who the members are: federal charter, associational, organized 1939. 187 members of 187 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $873,329 |
| Members | 187 (-14.2% YoY) |
| Full-time staff | 0 |
| Net worth | $269,931 |
| Net worth ratio | 30.9% (p96 of band) |
| ROA (annualized) | -5.98% (p1 of band) |
| Total delinquency | 38.42% (p100 of band) |
| Net charge-offs (annualized) | 0.00% (p23 of band) |
| Loans / shares | 9% (p2 of band) |
| Cash / assets | 16.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.25% (p2 of band) |
| Operating expense / assets | 4.06% (p75 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% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,434 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $4,666 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **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 | 3 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | delinquency rising, assets shrinking, members leaving | charge-offs p90 |
| 2017-06 | 7 | net worth falling, loan book shrinking |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 5 |  | delinquency rising, net worth falling |
| 2018-03 | 6 | delinquency rising |  |
| 2018-06 | 5 |  | delinquency rising |
| 2018-09 | 6 | net worth falling |  |
| 2018-12 | 5 |  | members leaving |
| 2019-03 | 5 | members leaving | net worth falling |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 6 | net worth falling |  |
| 2020-03 | 7 | margin squeeze |  |
| 2020-06 | 6 |  | assets shrinking |
| 2020-09 | 6 | assets shrinking | net worth falling |

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

- 2026-07-19 [1 dead, 5 hospitalized in boat crash near The Wharf in Orange Beach - Gulf Coast Media](https://news.google.com/rss/articles/CBMiowFBVV95cUxPQTJfaklmc3Q5M2xBX2pMb01UV3lvTmN2cUVybHNWaE5vaTlmeU52eDZ5U1ptTkJwMlpXWWJJVWc4c3BRbzlLSFpkWnRQRl8zaU45RlBGY2h4R0FMeVFUaDJNY1ZUZGRKbDFzeDUxVkxiSUgwU0wtdzVCRmxNUFphRG5QTzFsRU5VX0JUVzZ3S1BOWXUxME5ZamtrQkJWU1d4ZEdZ?oc=5) · Gulf Coast Media
- 2023-04-09 [The forgotten credit union that served thousands of unbanked El Pasoans - El Paso Matters](https://news.google.com/rss/articles/CBMirwFBVV95cUxORlhPTlYtUG9KVEJ2eHNxS1JPUjB6NnZTYjVRY2dzSkhNX3Y1QThaUUJwNUZ5YVh4bHhwTDJfYTNYNEg1RldDSk92blBpRE5TUU1zXzE5STBILVVHb2lPckJBbXJ2SHI0aWlIaGczZHNpZy1wbTlQY1FJUUdVNW55YVJtU05KS2NhQ0VPMGtKSTBXVnVLZXVnMk5QMGV2RHNZaTdqcmpOSk5aMUdQbGV3?oc=5) · El Paso Matters
- 2025-03-03 [No. 7 CSUN Hosts Sacred Heart, Top-Ranked Long Beach State - CSUN Athletics](https://news.google.com/rss/articles/CBMirgFBVV95cUxQS2dhX2ZiNlduRTRYbDliRGxXeE14ZzdJd2N1eXJoRUh5eWZLWW8wMFByNUhfN2Z0SUdNa3JXSFMwTy16bVFCaUdVb2g0LXJKcDNwc0hpaXBoRW1mdzFBOTR5LXo3UE96b2dLTnRaY3dxbDlNVmNDRHBpUTRJdnk3WldyNU41a0NpZjEyb2ZjYXFMWC1OMHZnTDFTakVlbTFWWi1MN1VDeFhhcFB5TEE?oc=5) · CSUN Athletics
- 2022-07-25 [Edgar George Vollenweider Obituary Jul 25, 2022 - Frioux David Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9nMTQ2QmJ3REtVeVBvc2RxbXJVb21qTFE5clI4ZXRUcjhqUUZVdTI1dzdES1NpODdwM21UTE1aZUlsUlp0N3VocWF2SFpnZk9sVGs4VVJBcmt2dkt6Z0E3THlNcklYMXI3U0NCRA?oc=5) · Frioux David Funeral Home
- 2026-03-04 [‘Mini Credit Union’ launched in three Offaly secondary schools - offalyindependent.ie](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQZDVyaGFYSUFkWGVwUUxxb2w1QlYtdi10WThySlRVUHhYLVQ5YmMyTHQxWFVmMU1VNV9MVDBpbjJkWHFXOWpBWEw2amtsWk9HYUV0TFlNT0xWY0lRLU4wWTY3Um1kNVBndld4TGkzRGxoYWc5cXBySnkwX2RiNWlWLU5CcTlYd2NQSDF2VVpLWmFpN05LU3c3NklKMjBEU3YxaDN3YktfWjQ?oc=5) · offalyindependent.ie
- 2025-06-27 [Relationships, gratitude at heart of Louisiana Sports Hall of Fame Class of 2025 - TigerRag.com |](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQY2w3UDU1bkU5SU55T1dfWEpNTy1fODZLOGhVeTE2TjlGYkN3YlhlM29JYjlVblcwUW9JVWs0WkZjd0htdk14MFlhRkFseXhNZ0NUYlpkZFllaTN2X2ZnV2xpRm42SHBIV1pSbWQ2YVRXWk1ZSVctMnVkUHFlWTlWczg5dC1uSEFsTTlpaW56WGV0dHNiSmpVNWVTMEtud2RfLXdiQkE5YWo?oc=5) · TigerRag.com |
- 2024-08-25 [John William Phillips Obituary Aug 25, 2024 - Brooks Funeral Directors of Canyon](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1JV1RmbnpiRXgxbWM2Mkt0UEVSelNMUlZLcjVfbXdVYVlha3pnRnE4S05yVXpaWkJ4VW05b1Q1N2dEdnFSa3VoV2xzUkJ2ajlDQk4xQi1Cd2JtVlJ1YzRjZnFPbXc?oc=5) · Brooks Funeral Directors of Canyon
- 2016-03-03 [John Fontenot, Sr. Obituary Mar 3, 2016 - Sibille Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTFBjbEJtaFhZWnpWYnBsRDluNFhxdDRSNmMxNkliTjR5dUZPZUFqWFVVYVE4c2p1MHBKcmh3NnY1N2p1UGhNM0FnZ3ozTW5ERExGejdNRkVuUFZsYTlpbm96eXAtblp0MUxYcGRNOGliZw?oc=5) · Sibille Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3069 (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/61.json (key "3069", 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=3069
- 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