# TERMINAL
Metairie, LA · NCUA charter 62754 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/terminal-62754

Who the members are: state charter, organized 1951, low-income designated. 722 members of 2,500 potential (28.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.7M |
| Members | 722 (-15.6% YoY) |
| Full-time staff | 0 |
| Net worth | $3.5M |
| Net worth ratio | 23.5% (p90 of band) |
| ROA (annualized) | -3.44% (p2 of band) |
| Total delinquency | 15.27% (p99 of band) |
| Net charge-offs (annualized) | 1.90% (p96 of band) |
| Loans / shares | 37% (p29 of band) |
| Cash / assets | 0.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | -1.85% (p0 of band) |
| Operating expense / assets | 1.90% (p17 of band) |
| Vehicles % of loans | 30% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 15.46% (p99 of band) |
| Vehicle NCO | 6.36% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 22% |
| Average share balance | $11,720 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $18,880 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-02-17 [Young the Giant Sets Summer ‘Victory Garden’ Tour for Amphitheaters and Arenas (EXCLUSIVE) - Variety](https://news.google.com/rss/articles/CBMilAFBVV95cUxPb1VkQlpmTFF2UjRhcWhPY05RRjhhN3FHX2puTmwwaV8tOG11R3BFcnF0UjlsMllOVU9ndjZ0WWQ2MlBkZGlHT1ZJaVpGYkI0c2tKQWxHV2hRY3VYbWNnbFhpeExrRDBrZXVKSDRjQVNxRHBNWEpkOFFWYnJsWU01VnBlVWtxU3VNeUtaM0dlWktiYzQw?oc=5) · Variety
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- 2025-11-28 [New Otay Mesa border crossing facility being built with materials from airport terminal demolition - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQcmRsblY0NzJaOWt2WW5rVG1Pd2FtQVlZeDN3RExfZzVIRGpfZ0EzclpQTGluS0NtSnZ2SWsxUjZzVVBuWl9VM0dPYWRWUWRnX3puZEtOZVBNNjJSN1pzTzZ1Ri1CZzVoa2JSR2ltcU9HdndHTUs0dnBmOVdVbXVXSGNwNWdueWpEUTNlOEV3MU1xelZVLVlSU2c0cW9hbjBiR1RjNnk1VFlrMzVzV2pXMXFobVJBVUp4TUhCaDV4WWFaVUZEN3ZEbDBGUnFYVnRGcGlxWXo3ekllZWFQWWl1dw?oc=5) · San Diego Union-Tribune
- 2024-12-16 [How Contactless Payments Work in Canada - NerdWallet](https://news.google.com/rss/articles/CBMigAFBVV95cUxOX2NWcWZGVWVUbWJuWE1DZGh3bkpjQm45dXNlQW5Db0IwbXd0UUZyTUNpQ2pBRFVmZzZCcTVmUDg1V1ZXWGtpYXg3cjc2cGdMUkRERWZpTnY2eWlFekY2RE14bGNpYlJRSGJOM011T3dTMWk2V3ZlZVo0TXJfb2I0eg?oc=5) · NerdWallet
- 2017-07-19 [Aaron Lewis and Blackberry Smoke Team for Co-Headlining Fall 2017 Tour - The Boot](https://news.google.com/rss/articles/CBMic0FVX3lxTFBlUnFVNUp5cFl5TnA3UnI4N28za050MUVwNV9zaHdIYzJUYWZwMDhKS0ExdW10dTBmZHpZZWwyWFhSQi01VnB5eXNQUXBITWJQa3gzQlB5TlhuMzlORHA0YTlwWUtkZnBJY25DY0VhanROX28?oc=5) · The Boot
- 2017-03-07 [Travi$ Scott Announces ‘Birds Eye View Tour: Phase 1’ - VIBE.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOQmlta2t4YThSYzh2N19GUXZFRXJMRk1Ja2lZeGJ2ZDk2ZGRVV2pRX3ZUdFZKSmlQNVctNHAtYlQwYVpfVklOMmhVc19aWjJ4S0ROMS1TRzhVaE9lQXpoc0hMYlBBUWZERnJXZ2Zvb084QjJUTzZQQTg0N3V5cW9zOFBQVElMS3JVV3dINm12N0RWc0dn?oc=5) · VIBE.com
- 2022-04-01 [Cheesecake Factory Receipt Privacy $4.75M Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizAFBVV95cUxPdnZnRGJpbFpfQldULTQtMlEwbmVvTDdTY1JzNGdjSW1DSFpqRGtzU2gwNGVzTDRNQTZUbHYxbnB5WGFGVDRzajk0aGhneGF4NktySTJJQWRGSTVKQUZrUERXbENxWDBfN25XSnRKYVJYVGlHNGRCVExBSzY3VEdSdkNxMEJtSUZhdksxSlZuWEhocU9ScVdJM1lWUnE5em0tc1Zhb2ExM2lrWFN5bC0zVXdCdFJISFFmUlVnQURJcFpCUTA2NlMwQnJ5UGU?oc=5) · Top Class Actions
- 2009-04-19 [Apr 2009: Sunday special: Bank on this - Winnipeg Free Press](https://news.google.com/rss/articles/CBMigwFBVV95cUxOM2JTQ2xWclcxLUlSbGJBb1ZBNFp6NTFIaEFPQTZ1YlpNcnY0ZTJsM2Y0VjNHSHc2aV92SXN2UW5TVHhueGdxLTM0bU1NanBRQXU1TzZNdlVvVXVDLXE0Q00wc3htZ2NGM3FiYTN4el9BWDJFMGNuWFpDUEpnejMzVWRsMA?oc=5) · Winnipeg Free Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62754 (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/34.json (key "62754", 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=62754
- 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