# ANECA
Shreveport, LA · NCUA charter 3212 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aneca-3212

Who the members are: federal charter, multiple common bond, organized 1939, low-income designated. 10,887 members of 430,000 potential (2.5% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 81.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $267.7M |
| Members | 10,887 (11.7% YoY) |
| Full-time staff | 48 |
| Net worth | $33.5M |
| Net worth ratio | 12.5% (p67 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 0.72% (p60 of band) |
| Net charge-offs (annualized) | 0.14% (p20 of band) |
| Loans / shares | 113% (p100 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 20.23% |
| Net interest margin | 3.23% (p28 of band) |
| Operating expense / assets | 3.78% (p54 of band) |
| Vehicles % of loans | 13% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 5% (p24 of band) |
| Vehicle delinquency | 1.14% (p80 of band) |
| Vehicle NCO | 0.43% (p38 of band) |
| Repossessed % of vehicle book | 0.19% (p83 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 160% |
| Core shares % of member funds | 24% |
| Certificates % of member funds | 48% |
| Average share balance | $9,129 |
| Participations bought / yr | $29.1M |
| Participations sold / yr | $7.6M |
| Participations outstanding | $34.5M |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 71% |
| Average loan balance | $23,580 |
| Loans granted, annualized | $137.0M |

## Participation posture (from the same filings)

Bought $29.1M and sold $7.6M in the latest annualized quarter; $34.5M outstanding purchased (102.8% of net worth), $5.9M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 15.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 | repo signal | delinquency 2x band |
| 2017-03 | 1 | net worth falling | repo signal |
| 2017-06 | 2 | loans>95% of shares |  |
| 2017-09 | 1 | repo signal | net worth falling, loans>95% of shares |
| 2017-12 | 4 | delinquency 2x band, delinquency rising, charge-offs p90, loans>95% of shares | repo signal |
| 2018-03 | 3 | net worth falling | delinquency rising, charge-offs p90 |
| 2018-06 | 2 | repo signal | delinquency 2x band, net worth falling |
| 2018-09 | 1 |  | repo signal |
| 2018-12 | 3 | delinquency 2x band, charge-offs p90 |  |
| 2019-03 | 2 |  | delinquency 2x band |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 4 | net worth falling, delinquency 2x band, repo signal |  |
| 2019-12 | 5 | charge-offs p90 |  |
| 2020-03 | 4 | margin squeeze | repo signal, charge-offs p90 |
| 2020-06 | 4 | delinquency rising | loans>95% of shares |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 3 | loans>95% of shares | net worth falling |
| 2021-03 | 3 | leaning on borrowings | delinquency 2x band |
| 2021-06 | 3 | repo signal | margin squeeze |
| 2021-09 | 2 |  | repo signal |
| 2021-12 | 4 | margin squeeze, delinquency 2x band |  |
| 2022-03 | 5 | repo signal, assets shrinking, loan book shrinking | margin squeeze, delinquency 2x band |
| 2022-06 | 2 |  | repo signal, assets shrinking, loan book shrinking |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 5 | net worth falling, delinquency rising, repo signal |  |
| 2025-03 | 4 |  | net worth falling |
| 2025-06 | 2 |  | delinquency rising, repo signal |
| 2025-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 5 | net worth falling |  |
| 2026-03 | 3 |  | delinquency 2x band, delinquency rising |

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

- 2026-01-08 [Best Certificates of Deposit Rates in Louisiana for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1Idkd3aUNMNFRmdzItSUI5ZEdWMEVxZUFSTHdzY0oyZnYtamhWM2UxQWs0enY3Wl9CeHFMZml0bU9sSkVJX3R5OWlrUkxPRE1CRTlod3NXUFo2UTJ3Q0I5QWNFU3pSQ1Fz?oc=5) · MoneyRates
- 2023-05-25 [ANECA Credit Union opens new Bossier branch location - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxPY0FjWXJtMV85aDViS2QwOFRiRi1QZTdWR3U2bUcxZzNGdU5pWjV4WnRhQU5EOFpYeFN1LW12ZWdhRWhCeG1mbkNVT0xhRFVYdjNTYTZFMVFiZmNsbWtpVW1vSURGTGRIQ2JlTHZjV3VTRVh3REhNY1ZaTHFKQ0hDQTRZVnBFVGo1b3pPTkw0SkVFcHJMdU5FNA?oc=5) · CUInsight
- 2020-08-26 [Star of Texas Credit Union gets new sheriff - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQ2NPZEF2QUZnWUpKcDNoWXhVRExXMGhKYjZFYU1PeVZ6RVVpUVpMTTMwUTZlQndrOVRtaFpqazk0SkZwa1AzTUZOVnJwc0FDQ2dUaVBnbHJJUVZjWWZLWV9CNVpkMHBKbEVMUmlDTGVrdzV1RW4tTVhvZW1oWlBhLUVTUTIxaWI1cEo1TTFjaHBMOEwxTzJB?oc=5) · American Banker
- 2023-08-30 [Charles Wyant Kramer II Obituary August 30, 2023 - rose-neath.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE8ydE13Tk55X3NMbWZiaUx4aHc3MjlPN0tpRy1iYnMteFItOW5vbExqY2VmejVnMUFlTHpMZHgtYTRBa3FqTU9mcHRVc3A5SFhMUWdWUUc0NWo2ekpoSDlnb3liRTltQQ?oc=5) · rose-neath.com
- 2025-03-18 [Chipotle, 9 Fitness, Rubba Boot add locations in 'attractive' southwest Shreveport - shreveportbossieradvocate.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNRjljZW9sbW5tUVFHMVRNTGZNdWlHUmUtNk5YSUJySDZYSmhYd3FGU1lWMEtwUkUybTVUTTBGa0VLSC1XcHZVM2RUNWVTNGlOZ3JUX0ZRQlNmeDdhU2wzUTc4QWJlM01ESWN6d0lnT0hRcmcwNHZ5ZjlpZnFEVF9zRXFmSzJ5eE1UcWNpZXpmN0NhZUxNLUlsU2dTYmVhRGFHQ3Jna1Y4SDBQWnAtbjlrOWswMFNjTEYwQUJ4Z0hYR1piZ2dySVYyRF9tVFpaTGJWbWRJbVY4QnBzMGNJODVRdWFOUDhuNm5qVU5sSTg3RXFjZ2d2dXBMZHJB?oc=5) · shreveportbossieradvocate.com
- 2017-10-16 [Don't miss this event at 'Shreveport's most palatial residence' - Shreveport Times](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPN3ZnYnIzMm4zS1JORlZ5a1FBT0huTGUyN3BIRzhBZVFNVERKTW5ZRWJ1SUk5VHhQLTd3MDEwaGR3YU4xVEhFbmRnTm1tV3hBeHhma3pna1V4TEhDUmZfcGlId1dfTVR4UlVyT25TVGRmRFZweXNEMDQ0LWNzc0p6bXBkc2hJbVp5MVFyTWdvalQ2bjhLcElyR0dLMXBEakRzYWlfcjM3VjRJR09XaC10OENNZkRyOUhSZndBQXU1Q1BleFF3NFJSUGhUZGcyZzJNdlE?oc=5) · Shreveport Times
- 2026-05-30 [Brittany Carlisle Obituary - Haughton, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPeFJmb0NwSzZFWmtGRlVVMXJIRmlxclFiemVIZ2I0NHBnQkhfYWxFcEpmWlRJSHZTdlZHMjBNdWxlOW01Ym8yR1VfQThEQU00aG5acmsxU0JGcVJTaDZKUW9ra1ZHYlFhQldidjR6bkxpam5tYkduSVBsOFZaaU14WjAyanRlbTQ0?oc=5) · Dignity Memorial
- 2015-08-19 [George Seiden Obituary August 19, 2015 - rose-neath.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1FUWFwaGJwMEhnemx3UnVWUEVCNU9GUDlWVjl1WnpUVzhCOVV3b0FSZHk5Q1BMUzI4a0xRY3lyU3ZmWndQa28wakx6VXpkemJEOTJJbkZNN1NiT1lDT2FWVg?oc=5) · rose-neath.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3212 (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/12.json (key "3212", 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=3212
- 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