# CSE
Lake Charles, LA · NCUA charter 5086 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cse-5086

Who the members are: federal charter, community charter, organized 1943, low-income designated. 35,569 members of 360,000 potential (9.9% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $455.9M |
| Members | 35,569 (0.5% YoY) |
| Full-time staff | 118 |
| Net worth | $49.9M |
| Net worth ratio | 11.0% (p46 of band) |
| ROA (annualized) | 0.98% (p71 of band) |
| Total delinquency | 0.79% (p67 of band) |
| Net charge-offs (annualized) | 0.22% (p32 of band) |
| Loans / shares | 67% (p34 of band) |
| Cash / assets | 22.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p54 of band) |
| Operating expense / assets | 4.83% (p91 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 1.57% (p89 of band) |
| Vehicle NCO | 0.90% (p65 of band) |
| Repossessed % of vehicle book | 0.12% (p75 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 70% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 25% |
| Average share balance | $7,218 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.3M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $22,595 |
| Loans granted, annualized | $45.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.3M outstanding purchased (14.6% of net worth), $1.5M sold and retained. Sold in 3 and bought in 2 of the last 8 quarters. Shares -1.6% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)

## Warning timeline

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

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

- 2026-09-02 [CSE Federal Credit Union donates essential supplies to USO Fort Polk - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxORE5Wclk4Q2dtYUUxcnhlOUoydUpmVDg5eF8wN2NoV21fZlIySWlidml0c19wTnZRYTF6Y2kzcEdFOHNkSE1FTnhqajVYSm5CNGoxMUU1UUJKVktBWVA0cU83V3hDWmtFZkN1Qk1icVFPU0hrY2xVUE1ETER0T2diNWpfVUd0a1phdDRaaDdtN2xjdlhLWC1EQ3JKUkg2M3dMSjg4SnNTS1ZMRTNtZEE?oc=5) · CUInsight
- 2011-03-23 [CSE Federal Credit Union warns of phishing scam - kplctv.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNbTJDZ3FFQ0M0WWY1NU1SdzEzQjU1eV8wSFl4ZEpPc1VqOC1mY0RjNlZLSVppSzFfRXhSUFhGa1R5NktfVHdkTWdkUUVkbEkzS2E5eE1wUnRjZS1jeFoxd2paN0J3R2YyVkFUNTJJbU9KTWMwZzMySEI4ZXc4RUQxOHgyei1rU1J4WUVNTFNuRdIBogFBVV95cUxPeDJtNHJweVktR1IzS1E5QjNlQ29DMUZZX0tTN3JWa1FkYU9qU0RFNlFWZTdCMHhQLW9PZnJod2V1OURNSzVsREFuR1Bacm00c1h6UEs0UXJjWEM2R3NubmFKVFE1amoyZHZyNDZzUkNwUTE1VTd3aERFX2h5MldJVk94VkJXMXVrU2w5SDdMckVYekU1N3V3MU1nSk0wZVQ0Q0E?oc=5) · kplctv.com
- 2020-08-26 [CSE Federal Credit Union announces succession plan - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOW92T285LVRhVm5ORVlVdGZpVGdMS2toREN6c2dDV3NGMGNjMkRnWVZqaWJoWGgtTVNHOXFSV1laclNNd0Ntc3hFcmhnVm1qV1ZmVWx6dUVQdlp3SnRndURtb1d4dGlnMmtzdGFTNzV2ZjkxRmExN3J3b0trcUQ3ejFscGFKS21zZ2xrUklIdWFXc0NpaWpHVGxGRm5Qay1z?oc=5) · American Banker
- 2026-07-23 [CSE takes home 2026 Luminate Radiance in Marketing Award - CUInsight](https://news.google.com/rss/articles/CBMingFBVV95cUxPMkVCdG9ib2FYU1JseVJ4N19TTWpkYjBNcS0tYkt6VDFIekFjTk5KbWNXOHctd3h4R3Vza194bkxOOWY5TjlXaEh5V2xLUkJwVnp4TlgxQ0d1ZGZva2VfZXdwOXUxalNKWWV5Vk9rcVpPZ0xoQlEtYjc4MGRLblozelR6dW1tRWZmNWxKbEJDOUlhZ1ZwNVFpcHVOYW9QQQ?oc=5) · CUInsight
- 2017-05-22 [Officials release new details on robbery of Moss Bluff credit union - kplctv.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQXzF6aS1ZT2RrckJtbUkwcGNXU29BdllER1c0d3VZeG83Y3JBc1BncW5hcWNkUTh0bDkwbVlYSUxXdktQU2lqNWFlYngwM2RhbFdmUEIwVk5XUnZLdkdUTEd2SUZMbVQzd2VPS3ZUX2E2aF9ESmptRXhYSlFwekhQZkl6U0QzWmVmS1dJZzNTRV82QjFfMmotRU5wWTdrcVc0SFBCTDJB0gG4AUFVX3lxTE5fOUZZOXdKUWlMckZnWnJya0syalJ0b1ZkcENuRVhueWdndmNOVjlVRkdsTWZwcGROTEJ3dXFqRW5jdTkwYzV1bmpadTdNLVpRNnpwMDRLcF9xRmR4VUNzbmRQRF8ySDZkcXNKajhDd01EeGl2RVZOM3k5b21FclAxWjVDSnpkZEpZekZ2N2FwaHR6ZkNQcUxKOHZUZHpRYXJaSklmWDZCM3hzNmpGdW9ZNUhMVVk3cmM?oc=5) · kplctv.com
- 2021-07-06 [Hoover High's business students net national Junior Achievement honors: Business roundup - Canton Repository](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQSERpRWtab0JkQWpURzBsYm82UmhpTkZnU0x5ejhWVU1vLWRjNGFlSWpNV2xFbnNqR1FfbUZSekhXazNHTHRGSFlkTXlrZFBmM1I3cUliVFFFY1VXa0xUcWJ2cUtLYkpuc2hNaWhLVXhIUFBaVVhMcmpIaXduVS0xSVFfU2VHM0xjS25iLU5DbEVCQW1iQ0x4UWE2OWY4Rm9vMktsRUdmbkxMQXdTT2NFMEZCQ1VfSDd1cDF4c3J1OGI?oc=5) · Canton Repository
- 2020-09-01 [Albert Herman Wegener Obituary Sep 1, 2020 - johnsonfuneralhome.net](https://news.google.com/rss/articles/CBMidkFVX3lxTE9qTm5ydDNINC0xY2VuTEVIZ2hqdWJvcVcwTDA5ak1qdElKa08wU2NoOU4tODdWNnEweThMSXV2SkhJOXhJekhBQkRIUmx0UldEMVJaOXlDbjJieHdQcUpHOG9RVEpva1hnNlhxR2ZEd2xqcTdiTmc?oc=5) · johnsonfuneralhome.net
- 2025-12-03 [Names in the News: People shaping the future of Lake Area business - American Press](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNaG8yNTVJYlliU0lxV3hxcTZDMmdtNm1DWVROb3FRQnhna0VEam1NTUI1YlZKQ0FMbjBhSlNubFBvb0ExRmNtMmV1MzB4UW03Sm9Oc3BwV21pRHg0bC1iRVZESkcyWGI3NmItNjlqYjNaREJlVm9ySHVNUEc2WHZRTmZKRTJqUDJfLXBzUzJIc29pc3RtTW1mWEtDSWlsbTFSNzY4Z3p1U3dRUFU?oc=5) · American Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5086 (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/30.json (key "5086", 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=5086
- 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