# EPIC
Metairie, LA · NCUA charter 404 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/epic-404

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 13,662 members of 629,363 potential (2.2% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $165.8M |
| Members | 13,662 (-4.5% YoY) |
| Full-time staff | 57 |
| Net worth | $23.9M |
| Net worth ratio | 14.4% (p79 of band) |
| ROA (annualized) | 0.35% (p28 of band) |
| Total delinquency | 1.61% (p89 of band) |
| Net charge-offs (annualized) | 0.99% (p89 of band) |
| Loans / shares | 92% (p93 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.36% (p85 of band) |
| Operating expense / assets | 5.15% (p89 of band) |
| Vehicles % of loans | 47% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 167% (p81 of band) |
| Vehicle delinquency | 1.16% (p78 of band) |
| Vehicle NCO | 1.67% (p88 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 39% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 19% |
| Average share balance | $5,248 |
| Participations bought / yr | $3.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.1M |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $12,014 |
| Loans granted, annualized | $25.7M |

## Participation posture (from the same filings)

Bought $3.3M and sold $0 in the latest annualized quarter; $11.1M outstanding purchased (46.6% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -2.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 3 | loans>95% of shares |  |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 3 | charge-offs p90 | net worth falling, delinquency rising |
| 2018-06 | 4 | delinquency rising |  |
| 2018-09 | 3 |  | delinquency rising |
| 2018-12 | 3 |  |  |
| 2019-03 | 5 | losing money, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2019-06 | 4 | loans>95% of shares | charge-offs p90, losing money |
| 2019-09 | 5 | charge-offs p90 |  |
| 2019-12 | 4 |  | charge-offs p90 |
| 2020-03 | 4 | net worth falling | loans>95% of shares |
| 2020-06 | 7 | margin squeeze, charge-offs p90, auto monoline |  |
| 2020-09 | 5 |  | delinquency rising, margin squeeze |
| 2020-12 | 5 | margin squeeze, delinquency rising | net worth falling, charge-offs p90 |
| 2021-03 | 6 | members leaving |  |
| 2021-06 | 4 |  | auto monoline, margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 | charge-offs p90, auto monoline | delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | charge-offs p90, auto monoline |
| 2022-06 | 4 | delinquency 2x band, auto monoline |  |
| 2022-09 | 5 | loans>95% of shares |  |
| 2022-12 | 5 | delinquency rising | members leaving |
| 2023-03 | 4 |  | loans>95% of shares |
| 2023-06 | 3 | loans>95% of shares | auto monoline, delinquency rising |
| 2023-09 | 4 | auto monoline |  |
| 2023-12 | 3 |  | auto monoline |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | members leaving | loans>95% of shares |
| 2025-03 | 2 |  | members leaving |
| 2025-06 | 3 | members leaving |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | delinquency rising | members leaving |
| 2026-03 | 3 | members leaving | delinquency rising |

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

- 2025-08-08 [EPIC Federal Credit Union breaks ground on Covington Branch! - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOM0RDRHpDc2RLTS12WGF6ejROTkYzSF83RWdJYlJfenRkZ05Ud2pia3QtUmEzeDJuYkw1dm1ncTBLa0ItRTBOeW1FczBSMkJhbk11ZVhMMzlBc1VlZGIwemd6WEZyblZfMHdadkl0SklpZVFJUnRJMk9vQXVBeXV5TmxldndOV09ZNEpMT0JhUThNSUdRNXRpanVyWnR2QlJFdEE?oc=5) · CUInsight
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- 2026-05-19 [Megadeth set to bring night of metal music to Capital Credit Union Park - WLUK](https://news.google.com/rss/articles/CBMizgFBVV95cUxNTG1GX2txYmhiUnlMdjQwTVFwTGswaWt3Vi1rTXI5YVhRSURyNEtBaFZ3UXd6MndpaE00SzVpc2RsRUxlcE9INGJpV0N0aTM4YnhyX1VvQWNlTTBJOENMSFVxaWVWQkxTQlppSFVUelVYWk1ZSTJDR3VjMkJsb3hfcWpfbWhvdXhXTVh6YTVPSGdMMnp5NnlUcVZLbFpWWjN2NERtYy1jU1RZVWJVOEVMOUJ4Z3N2OUlNUkJvaENpNVU4SWdUNGJvaExxWkJxQQ?oc=5) · WLUK
- 2026-06-26 [Muse Unleashes 'THE WOW! SIGNAL' Album; Tour Starts July 2 - Rock Cellar Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTE5ZRUl0X0pQX2tZOGJoMjIzMFR2OTNfWHdMekt6U0t1LTBOSV93cjRaX0UyQl9raHZ0OFBwMlBfZXU1Qk1uSWZsWmhxamE5RU9UUVpRUnk1LVhKVk95M09UNTFFN3R2Zl9ZNzdDSzNtVkg1NU9ZMDJBQk10VTkydw?oc=5) · Rock Cellar Magazine
- 2025-09-03 [Summer Rebranding: 4 New Names Join the CU Landscape - CUTimes](https://news.google.com/rss/articles/CBMikAFBVV95cUxOa3lFaXRXamNQY0Y4RWVZdTRLblVPaFB5YUY0aW03b0lSSzVKdG1Zb2IyanJMTE5EeTN6aEpHNEtnS3hyemxmNFBXRWYtTk8wUW9MbEhoZ19LXzhCemIyUHk4Mmc5Wkk1YmVWR2JhUzl6S05aZkstTWVlbDRQZVRsTGYzOXUtT1NCam9nWmc1ODI?oc=5) · CUTimes
- 2026-02-17 [Teenage Guitarist Goes Viral After Joining Treaty Oak Revival On Stage (Again) For Epic Performance of "Fishnets" At Show In Columbia [Watch] - Country Chord](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQeFJ6SlRhV0lOUXpISno3OTcxT0U3aW5WaVg5TVdreGVERE1lMG52ZDNKaFQtaXY1bk1BM0NmaDNhZlVwRXM3NE9LeUFOQWpGN0tYSElTNVh4LVZoOHdkd0pzMjBaQUYzbEVKU29oR3hiY1JudjI2SzNrcXdRLXVHZEQyaldfR1R5Z2xEZ3FRcjBTNUwwblBxZE5ta3Jpenlxb2VYSmZYblhrbTd5Q04yUkpySjlwWGttLWZNNmtMNFhUaTg5UVJFSXRXeFVaS2l5aW03TGVESE5feG5VMVRjdThlY0xfSkpYMkhTMFA1OWc5akk?oc=5) · Country Chord

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=404 (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/20.json (key "404", 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=404
- 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