# LAMOURE
LAMOURE, ND · NCUA charter 62218 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lamoure-62218

Who the members are: state charter, organized 1940, low-income designated. 1,122 members of 3,000 potential (37.4% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $40.6M |
| Members | 1,122 (-1.0% YoY) |
| Full-time staff | 4 |
| Net worth | $7.2M |
| Net worth ratio | 17.6% (p65 of band) |
| ROA (annualized) | 1.55% (p86 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 51% (p40 of band) |
| Cash / assets | 56.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p27 of band) |
| Operating expense / assets | 1.95% (p10 of band) |
| Vehicles % of loans | 22% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 19% (p92 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 164% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 27% |
| Average share balance | $13,379 |
| Participations bought / yr | $0 |
| Participations sold / yr | $7.5M |
| Participations outstanding | $1.4M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $30,574 |
| Loans granted, annualized | $19.9M |

## Participation posture (from the same filings)

Bought $0 and sold $7.5M in the latest annualized quarter; $1.4M outstanding purchased (19.1% of net worth), $520,806 sold and retained. Sold in 2 and bought in 6 of the last 8 quarters. Shares 5.9% year over year.

## Flags firing in the latest filing

- none

## 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 | 3 | net worth falling, delinquency rising, loan book shrinking |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 | members leaving | loan book shrinking |
| 2018-03 | 2 | assets shrinking |  |
| 2018-06 | 2 | delinquency rising | members leaving |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 2 | assets shrinking, loan book shrinking |  |
| 2019-06 | 1 |  | loan book shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | assets shrinking |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | margin squeeze |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | loan book shrinking |  |
| 2021-06 | 1 |  | net worth falling, loan book shrinking |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | members leaving | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | assets shrinking | members leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | margin squeeze |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | margin squeeze |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-07-22 [‘Micropreemie’ unit opens with help from local co-op - news.sanfordhealth.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN256RG5JYUszRHVBbmZ1eDdkT0ZxRmFNdVY1S0h6X25Ia1FmWjFteWNILVQyMnZWY1kxY0xBalduenNsSThyd2FFSXViLWFMSmxXR09xNmhJYTEzTGtMcHhhaWRMV0JFOWhUY0xqZ0xudU9kRFQ4bmlZc1BoalBTQjI2ZzQxRnFoU3JZamdodm5CZkhQVUtn?oc=5) · news.sanfordhealth.org
- 2026-01-31 [Alvin H Madcke - Eddy Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9iNm1xaUpHRUVBNmRYTC1PWmdxRjNuMWdEUmFsTXZkVV9zTGJnZHlHY1hRZVVONWZyc1lNNmJxcko4Y3NoLW5mRWlhalJMTU1Gb0VYT1JfRW9scHl4UDFFYm1xTzB1QQ?oc=5) · Eddy Funeral Home
- 2017-05-27 [Beverly Nelson Obituary May 27, 2017 - Wright Funeral Home and Cremation Service](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5GR25RTy1RME5XaE92ODJQWEdvUTA3WVRaTjBaTE81eE0yVHcyWmM4MzU0UWFhWm0xQlllV0ZaR3JsT2c2cm9XSERUclNFVkEwaG1CbkZMUk1mUVJDZGFQblRkWnhFZw?oc=5) · Wright Funeral Home and Cremation Service
- 2014-09-24 [Ride for Life raises $2,600 - Jamestown Sun](https://news.google.com/rss/articles/CBMikgFBVV95cUxPLU9Dam5ZemlQU3NQNzl4bWFyd1RUUkJhZ0IzOEw2MkVYNEl0enVtVGtEd1dGcGZyVnlpR0M3bGk0MEJUZDhoTW8wUDc2Q3A3bmRZamladGZJREpsUkFHbUZWYWNBeGpuMWU3VmJmamJpWEZ1SXJ0NmZxc3hHQWFld1djWjdCQXFwM28tSzhPeXdwQQ?oc=5) · Jamestown Sun
- 2007-11-19 [Myron Harlan Sather Obituary Nov 19, 2007 - Gilbertson Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBFdzY5RUNKWnJDT3JXcVdUbi1ka0NoWGtFQ3J5MjRJWlVhdjFMcUI5M3VDMGllVzVvSEJHMW9faGdORmh6NVJFOXBRaW9XLVlwbmluUFB1b2liVnNpem05Nm1IYjk2QQ?oc=5) · Gilbertson Funeral Home
- 2026-05-14 [Deputy shot in hand during gunfight near Kulm, suspected arrested - InForum](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPeHRKQ2NvQkxQLVo5eU11WmxqZFB3b3p5TWc5ZEIzZkxnNk5BMTdHOUFvMDBzMGFFemdNS0hZUnV4ZFZpQV96TFV6NHhkXzJVUEZnWXF2TU14elVpU0hqWEwzLW91UC16YmNWZzNtLUdWQlEwaGxJellVSDdYZWxJczlpM1pUQm1ETUdMai1IZUpqQ05kWWZhV0Ffb3B1MERRTllPM2NSWFhJdw?oc=5) · InForum
- 2024-07-28 [Loren - Eddy Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE0tT1ZxQVBQbjVFMjY3ZkVUN2M5TGdrTzhia2p4S09SQ2tOQ3VMTGJSQ2dpbll5ekk4eEpnaXNPanV3S0lqVEVNb3lKWDBUc01jemwxRXJvelEwTTVKSk1mRnUtVEswQQ?oc=5) · Eddy Funeral Home
- 2018-03-24 [Clarice Pinter Obituary - Jacksonville, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPQjQ0MVZsY1dhQmZmTWphX0JGNWpWY21GeGllTjBmQ1ppQTVQeWxPWlZOamVPQ1U2Nzh3M3JSMjYwMFNmeF81d0x5Zkk5UlZvZFNIaXRFa1BXZzQwaGZyNURMRlB6eElIaTd4cjJYVlpJT3NfWUNMQ2w0TkI5RkNPbzE5TkJkWWFV?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62218 (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/10.json (key "62218", 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=62218
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide