# IBERIA PARISH
New Iberia, LA · NCUA charter 4416 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/iberia-parish-4416

Who the members are: federal charter, associational, organized 1941, low-income designated. 271 members of 1,200 potential (22.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 15.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $202,065 |
| Members | 271 (7.1% YoY) |
| Full-time staff | 0 |
| Net worth | $78,043 |
| Net worth ratio | 38.6% (p97 of band) |
| ROA (annualized) | -14.61% (p1 of band) |
| Total delinquency | 6.88% (p96 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 60% (p53 of band) |
| Cash / assets | 50.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 9.29% (p99 of band) |
| Operating expense / assets | 24.10% (p100 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 | $673 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 15% |
| Loans granted per 100 members, annualized | 59% |
| Average loan balance | $2,030 |
| Loans granted, annualized | $323,784 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, loans>95% of shares |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | delinquency 2x band |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 7 | margin squeeze, delinquency rising, members leaving |  |
| 2017-06 | 8 | charge-offs p90, loan book shrinking | members leaving |
| 2017-09 | 9 | assets shrinking, members leaving | delinquency rising |
| 2017-12 | 8 |  | margin squeeze |
| 2018-03 | 8 | delinquency rising | charge-offs p90 |
| 2018-06 | 8 |  |  |
| 2018-09 | 8 | net worth falling | members leaving |
| 2018-12 | 8 | margin squeeze | delinquency rising |
| 2019-03 | 8 |  |  |
| 2019-06 | 7 |  | net worth falling |
| 2019-09 | 6 |  | assets shrinking |
| 2019-12 | 8 | delinquency rising, assets shrinking |  |
| 2020-03 | 6 |  | loan book shrinking, margin squeeze |
| 2020-06 | 8 | net worth falling, charge-offs p90, members leaving, loan book shrinking | loans>95% of shares, delinquency rising |
| 2020-09 | 8 | margin squeeze | members leaving |
| 2020-12 | 5 |  | assets shrinking, charge-offs p90, margin squeeze |
| 2021-03 | 6 | margin squeeze |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 | delinquency rising | net worth falling |
| 2021-12 | 4 |  | loan book shrinking, delinquency rising |
| 2022-03 | 6 | net worth falling, members leaving, loan book shrinking | margin squeeze |
| 2022-06 | 5 | delinquency rising | net worth falling, loan book shrinking |
| 2022-09 | 4 | assets shrinking | members leaving, delinquency rising |
| 2022-12 | 5 | net worth falling |  |
| 2023-03 | 6 | margin squeeze |  |
| 2023-06 | 6 | charge-offs p90 | net worth falling |
| 2023-09 | 6 | delinquency rising | margin squeeze |
| 2023-12 | 7 | net worth falling |  |
| 2024-03 | 5 |  | charge-offs p90, net worth falling |
| 2024-06 | 7 | charge-offs p90, loan book shrinking |  |
| 2024-09 | 6 |  | delinquency rising |
| 2024-12 | 4 |  | charge-offs p90, loan book shrinking |
| 2025-03 | 6 | net worth falling, members leaving |  |
| 2025-06 | 7 | charge-offs p90 |  |
| 2025-09 | 6 |  | net worth falling |
| 2025-12 | 6 |  |  |
| 2026-03 | 5 | loan book shrinking | members leaving, charge-offs p90 |

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

- 2019-03-14 [First Pioneers Federal Credit Union breaks ground on new branch in New Iberia - KLFY.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNM3dnek1UbG9vcm1mTEFSRmFPUnJad0RqZlZUSWZ6YkpUSVp4M1NlbTVpdUR0bWZCY3ZvN1oyMUFhV2hrNGxrSUdOcjJoWFMxX0NOZTJhbUEzb3djenlBcUVVdDBBOExxZTJleHlmQWRRa1Y2R043ZkVzOG0tZlRHdFBCYjR1RlN4WmdPSnpnSnEwMU9vNnE3aTlRWk16RXF6RmJhcWswV3rSAa4BQVVfeXFMUHRVR1VNaGU3U0hzVVpRcTVEbmt6QnhEbzNkZUVGUDBTTEZBSmNDMTFDanI1S0d2RnJLczJiT0JHRHRBWC05dTdYUEJtTUlEcG9JR3VZLVhaNnczV2k5S1NZdWNMT0R6WVA3X1FwUUc5UGJacjl2b1IzMkhzN0JQMGJaNkJFWms3Sk9yMFFzb2dWdFRIMmZmRkhiUEhzUTV5ZmI0Y2VlYm1jczlVR1h3?oc=5) · KLFY.com
- 2022-03-08 [Obituary | Rev. Burnell Jacob Robertson of New Iberia, Louisiana - Fletcher Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE01dWMxYkdBeTJEQUpON3JiSmdwQ1dDVXprYUpqb1pabC1CQlZfa1ZLcnptSzVWbXhMdUwzTFRac3dMMVJjT3BBWXJLbDZqdnRjbVZVUThDemlqczRSY1JzYkZyTVN1MVoxRlJOcWRrNWZYRVhBZlE?oc=5) · Fletcher Funeral Home
- 2026-06-23 [Stuff the Bus effort underway - KATC](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPcmMyWWNNd1VRQVRjRUZBckZJUm9PZU5xbTVEY3dsb0hUMl90UmRkX3o5bkcwLUNvcHQzNFNoVEQ0QTkwNDVJZVdrRGxPNnVZYzFXRlFXOUhjWW1RamszY3BuOHdLMlpNdzZHTTJLZk0ybVVNdkVtd2t1Y25QMHVIX0hyRXhqTlhq?oc=5) · KATC
- 2026-03-04 [Q&A with 20 Under 40 honoree Brianna G. Davis: 'Every day I learn more about our community' - theadvocate.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQR1lPUVJ4ZW1tN1FveDYxTkhVQzdka3F0Sk9sTlJFdFI0dTg1V0h2NlhfaTJmQlZnQ0lFeFpNWHg1UVpqcGpGWTJMcGo0OE0xSU9wQlFUUlBqeWtsTHFNTzEwQV95WEFOSlB0Wk9VWDE3TlJ2dUlFQ2UzbG1FV1c4UU9LSzVFaWg2SmdGc0I5TUZBZUY3ODRCSjNyLVhMUkRvLTRna01Gd21YU201bW5xMEU5Rno5STNlRXVOdVR6VWpvWXhjeXRuVFdJT084R2gxRmJrSmdCREtEc1dS?oc=5) · theadvocate.com
- 2026-04-01 [Court News - Teche Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1ENEZDMmJUMXA3Q1B2emNqcVMtbnltSUdvQ2dZZlpxVGxfN3dsamxCRERscGd3TFQ5Wjl3SFN6U0g0VTVvdDRLaUQ0S1VxNVR6bmx5SlRELURtR1hsQXE4?oc=5) · Teche Today
- 2013-01-12 [Mary Lynn Landry Obituary - New Iberia, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNMThSRklWaGk0NWVuSEItcHZiN2xjTDU1ZGt4QjVXTjI0T0JvbzBZTUFPbWgzek9RQjVMZE9JMFZOQmJiNWRmVENRWHZiUW9WVTFHdGYzS3JDTzJoZlpoYnRNaEs0UWhWUWhta09KSk1OREYybG9QRVMxX2tad19GRUJnQVREOTVs?oc=5) · Dignity Memorial
- 2026-08-04 [Qualifying started today for November election: What's on your ballot? - KATC](https://news.google.com/rss/articles/CBMitAFBVV95cUxOTGk5b3c2T3RHa3RUMDlwaTR5ZjNYSGRMUkxRRzEycTVEWjV4N0NHWm1acnRpejlKbDFSd0U4OXNsNXI2MGNtZDZQc2pMcXh5T3ZXaE9HU0FJMU5hRzkzVms5bjVVNGZNSGVBeGF5NEFZX0UwMl9td0ZBM1dxRExYaFppNVFCdFFTNlNPdVZrRHdGV2Zncm04Zi1tano4My1LN3dSSm1jTGxXaUNOM056MHpKaGM?oc=5) · KATC
- 2012-07-13 [Fletcher Funeral Home of New Iberia - Fletcher Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9fa1FDYV9aT0NYRmV3a1FsQktYSzEzWXRQZnRsakRJZ1FkbUpjY21mV2tQWGh5MXRvaEY4TGZ0WkhnZWRuMzUtTmRHdEdPQVM5ZnRPUlhRVmdmWUpoRy1pb1cycVhCTTBNWEMxRDZIbThfVmgz?oc=5) · Fletcher Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4416 (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/0.json (key "4416", 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=4416
- 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