# NODA
SLIDELL, LA · NCUA charter 4461 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/noda-4461

Who the members are: federal charter, multiple common bond, organized 1941, low-income designated. 2,894 members of 4,440 potential (65.2% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 31.

**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 | $34.2M |
| Members | 2,894 (-1.7% YoY) |
| Full-time staff | 7 |
| Net worth | $5.5M |
| Net worth ratio | 16.2% (p57 of band) |
| ROA (annualized) | -1.74% (p7 of band) |
| Total delinquency | 5.88% (p95 of band) |
| Net charge-offs (annualized) | 3.94% (p97 of band) |
| Loans / shares | 36% (p20 of band) |
| Cash / assets | 33.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p17 of band) |
| Operating expense / assets | 4.57% (p71 of band) |
| Vehicles % of loans | 53% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.22% (p82 of band) |
| Vehicle NCO | 2.80% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 32% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 6% |
| Average share balance | $7,227 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $11,569 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 1 | losing money |  |
| 2018-06 | 3 | net worth falling, delinquency rising |  |
| 2018-09 | 1 |  | losing money, net worth falling |
| 2018-12 | 1 | delinquency 2x band | delinquency rising |
| 2019-03 | 1 | losing money | delinquency 2x band |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 2 | members leaving | losing money |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 | net worth falling | members leaving, losing money |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 3 | losing money |  |
| 2021-09 | 1 | members leaving | net worth falling, margin squeeze, losing money |
| 2021-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 2 | net worth falling | members leaving, delinquency 2x band |
| 2022-06 | 0 |  | delinquency rising, net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2023-06 | 4 | delinquency 2x band |  |
| 2023-09 | 5 | losing money |  |
| 2023-12 | 4 |  | losing money |
| 2024-03 | 1 | net worth falling | delinquency rising, assets shrinking, members leaving, delinquency 2x band |
| 2024-06 | 2 | delinquency 2x band, assets shrinking | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 5 | losing money, charge-offs p90, loan book shrinking |  |
| 2025-03 | 5 | delinquency rising, members leaving | losing money, charge-offs p90 |
| 2025-06 | 3 |  | delinquency rising, members leaving |
| 2025-09 | 6 | net worth falling, losing money, delinquency rising |  |
| 2025-12 | 6 | charge-offs p90 | assets shrinking |
| 2026-03 | 5 |  | delinquency rising |

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

- 2018-05-05 [Lucas Sacco Obituary - Metairie, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBockRtbTBqcjRNWE8xajg2bm15NE9IYzVjZXJ0NVJaS3pxeXpIVnM5dF82Z0paZk1MVENKMjBiQW02UVJVcGRBM2M5YVpOR19GdFpYMGp3Rjl3Ul9ic0dyVHFaQWlEVHRsREI1NEhocWZZYzQwQXhpdzNNbVV4VGM?oc=5) · Dignity Memorial
- 2022-07-04 [Michael Breaux Obituary (1978 - 2017) - Jefferson, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNzVaUFdaejBVUTJoTWdUSEd0MGxRTjI4dHFKcURRamVGU1VLamlPV2VRbUV4d3RGa0c3R3RIcTZhem1rWHBKN0tsdzJhbDYxX09hWGFaRDZJQXdMNHl4UzVIX0ZxRnRjanl4MG1VQWJjOG5jblI4VVJWS0Q3bE04N1dyOXpXZElqclE?oc=5) · legacy.com
- 2025-07-17 [Weirdest Digital Banking Barriers in Fintech - The Fintech Times](https://news.google.com/rss/articles/CBMifkFVX3lxTFBxbGlnX0tsY3RNMXp2Q21IZF9xbXh0MWtEa196QmVQaEZTYzN0YnVWUmRHRGFRc2dGdDJKY3RiVGlTd0lXVGFVLUNlU2VqT3E4NE93ZEoySDlWeEdGb1VaSlNRVVl4RjR5X1RXeHNKcUcyc3VJQ1E0YUJvamRSQQ?oc=5) · The Fintech Times
- 2018-03-05 [Michael Breaux Obituary - Metairie, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWW1mbF9VSm42RXZ3QnR0YVdCcDFFTm9uSldGUXB4R2NFMzA3ZkZSM2lKazMyYTd4Z0d5OWMzQ0F0NVJsLXBOSklSVk5ldFQzd0ZHQWc4RURlYmZ4ay1mMXFGWXZBeUdpWWlyS21oaTNDS3J2aW85b3IwbW5pMjFYMDFKSQ?oc=5) · Dignity Memorial
- 2021-10-29 [Joseph Relf Obituary (2017) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQcnpuanhsRVBIU2ItVEVuakJvWDdtVXlxLVctZWh3WWdCLVVxR0REdXBuUlBhWlN2Q1hOUnVHaDVkenhZRmdGWm0yZ2E1WDZNemxRbExQLXFXZ0QzTFRBMzBCaGJ6OWVsM3NWclM3NUFxV0lFNnRzQ3pjS1ByVnFqT0kzTVhmUQ?oc=5) · legacy.com
- 2008-06-27 [Candice Gillard Obituary (2008) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQTDMxV1RSeG5pVnB0Ql9lcHQ3QnpnbjhoSTFyS1BwN3ZuMm84d2F4XzMxMktodTBfUmdlMmxIcWZpdW5wcm8zYV84N3k1X0xzc3BEZjg2TldfZmhLdlBsOXE3U3p5U1RWZVhGR1pwTF9zOFJjQXpRT01lQjVKZ0NvNjFIREdYcXhuSmpF?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4461 (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/45.json (key "4461", 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=4461
- 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