# GRAPHIC ARTS
Shreveport, LA · NCUA charter 60261 · asset band <$50M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/graphic-arts-60261

Who the members are: state charter, organized 1952, low-income designated, minority depository institution. 173 members of 180 potential (96.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $965,611 |
| Members | 173 (-58.0% YoY) |
| Full-time staff | 1 |
| Net worth | $256,443 |
| Net worth ratio | 26.6% (p89 of band) |
| ROA (annualized) | -5.76% (p1 of band) |
| Total delinquency | 6.62% (p96 of band) |
| Net charge-offs (annualized) | 7.67% (p99 of band) |
| Loans / shares | 110% (p98 of band) |
| Cash / assets | 25.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 7.28% (p99 of band) |
| Operating expense / assets | 9.60% (p97 of band) |
| Vehicles % of loans | 44% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.05% (p86 of band) |
| Vehicle NCO | 7.30% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 53% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,974 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $6,821 |
| Loans granted, annualized | $159,314 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | charge-offs p90, loans>95% of shares, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | expense trap |  |
| 2017-03 | 5 | losing money, delinquency rising | charge-offs p90 |
| 2017-06 | 4 |  | losing money |
| 2017-09 | 6 | losing money, charge-offs p90, assets shrinking | delinquency rising |
| 2017-12 | 6 | delinquency rising, members leaving | auto monoline, charge-offs p90 |
| 2018-03 | 5 |  | delinquency rising |
| 2018-06 | 7 | delinquency rising, charge-offs p90 |  |
| 2018-09 | 7 |  |  |
| 2018-12 | 8 | loan book shrinking |  |
| 2019-03 | 9 | net worth falling, margin squeeze, delinquency 2x band | assets shrinking, members leaving |
| 2019-06 | 7 | assets shrinking | loan book shrinking, net worth falling, margin squeeze |
| 2019-09 | 8 | repo signal |  |
| 2019-12 | 7 |  | repo signal |
| 2020-03 | 6 | net worth falling | delinquency rising, delinquency 2x band |
| 2020-06 | 6 | loan book shrinking | charge-offs p90 |
| 2020-09 | 4 | margin squeeze | loans>95% of shares, assets shrinking, loan book shrinking |
| 2020-12 | 2 |  | losing money, net worth falling |
| 2021-03 | 5 | losing money, delinquency 2x band, delinquency rising |  |
| 2021-06 | 6 | loans>95% of shares |  |
| 2021-09 | 6 | assets shrinking | margin squeeze |
| 2021-12 | 6 |  |  |
| 2022-03 | 2 |  | losing money, delinquency 2x band, delinquency rising, assets shrinking |
| 2022-06 | 4 | net worth falling, delinquency 2x band |  |
| 2022-09 | 3 | charge-offs p90 | net worth falling, delinquency 2x band |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 5 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2023-06 | 9 | net worth falling, losing money, charge-offs p90, loan book shrinking |  |
| 2023-09 | 7 |  | net worth falling, loan book shrinking |
| 2023-12 | 5 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 6 | net worth falling, delinquency 2x band | charge-offs p90 |
| 2024-06 | 4 |  | net worth falling, delinquency 2x band |
| 2024-09 | 3 |  | losing money |
| 2024-12 | 7 | losing money, delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2025-03 | 9 | margin squeeze, charge-offs p90 |  |
| 2025-06 | 10 | members leaving |  |
| 2025-09 | 11 | net worth falling |  |
| 2025-12 | 10 |  | net worth falling |

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

- 2021-07-26 [Rose City Readers | Timber Joey reads from Oregon Reads Aloud - Portland Timbers](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSnRIaXJhRzhYbHZnZlZQMEotSTBRTE9RQ2RzcWNIczctbmNmN2gtdnVrQ3NyQ2Vhc1VSRHZKY19BbjhCQzQwc0VyRTdkeWZhdDJUOUg4dlAyUjJaaTh1cFB3VWJTSDFPWWF2RVFVSWU2X2FjeEhaVHNlUWx2ajhPbWpQUEYxWWktWUZOZkVWelJsS0hfM0dDMUMxT254X3Y2R2R4b3hn?oc=5) · Portland Timbers
- 2022-12-12 [1StudentNWI: Printing success with the Graphic Arts and Digital Design class at the Hammond Area Career Center - GreatNews.Life](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOTzUxUDl5ZzNwSkExQjI0ZGs5ZTdFOFNyUVlhOFNhRHlVODYxYlBmOG9VemxDNi1oUVJNYVlGTW5EbTN6eTZkRnFZT3dhQk9VUHpoN0p4VkhSQXU3MFhWYnFNa0g5X1BVZHVFYjNJQmw5MjF3UHBYcC01MUpjVHByQVpRSXJKUFBMdzV5MHAxZVlpc1pOeWxqMVFsRlY4VVFTdnk1dEM0Wl8xUnk0dzh5cWlDS210N2tBR1hPd1FBRDcxME9CQXpkZzBBN2xfOUpLZGVpOEtZM0I?oc=5) · GreatNews.Life
- 2020-01-14 [Donald (Don) R. Woestman - veronapress.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNcXgtMFdJdUFvX0tOb0x0MEdaLXB0VDdKbEpyMDVtWENOYmhBZXkxZWVqazd6TGFjRzJHU2VRQ1djVGw2VkpwcDBDc0tNekVXSzljYmVaVzByY0hLT0k2elNuZTBSTzNlclFxNnQ1dENzdG1xVV9ZUE14N1VCV2ZYNXdLMUtTeW50WU1XTTVuV2M4RFc1WS1Eb01ESWRnQU5sWlZ2dllZM0pXeHNUWmtj?oc=5) · veronapress.com
- 2026-09-05 [Letter from Oaxaca: A Princetonian Explains the Allure of this Exquisite Mexican Destination - TAPinto](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQUzNBSlJldWQ1QmNHYVVSbFd4cXJlU24tZWNSR3gxRTlaMU9SeXdUbWU4TllnN2s5ZVBHVmNyQml5ZnA1MVdmQVUxVExpd1EySzU5OEFlM3lvWmcxdGlRcEZRZVo0MHg5MjVZbFR5a2dzQXZJZE14aEt6NTlXcnFYZ3pkUHFFUGRCN2JOVHhsYWhLT1prNktLOGVyMEtkMVVBVjdzSlNFNFFvTktvNUZsRzBGVzJzNlhTckpybnFnNllfa0hqc1dIdzdVRXFiTXNOZ0FHMWdHSQ?oc=5) · TAPinto
- 2015-06-26 [Merrill High School's top graduates - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMHl5UkpwNTQ2VXBBaHdfc2VGUVNFRGd4MlNTSmUzeXdFcGxkMlBfLXd3X2NUbXFOeENrelZlYWpZYnMtclY3c3dFZUhLUHpvZUcwVm1ibElpSWEyMFEwNFJ2azV3SmFNU21KTHJwVnZoLW5LWlhZVFZqLWtwb2lRdVV2MVVJcENyOVVfRlFaUGw1THIzbnFsWEkzOW5Mc0NVcUE?oc=5) · Wausau Daily Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60261 (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/37.json (key "60261", 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=60261
- 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