# SOUTHWEST LOUISIANA
Lake Charles, LA · NCUA charter 62756 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/southwest-louisiana-62756

Who the members are: state charter, organized 1952, low-income designated. 19,296 members of 247,906 potential (7.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 54.

**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 | $184.3M |
| Members | 19,296 (2.1% YoY) |
| Full-time staff | 66 |
| Net worth | $28.6M |
| Net worth ratio | 15.5% (p84 of band) |
| ROA (annualized) | 0.58% (p41 of band) |
| Total delinquency | 1.01% (p73 of band) |
| Net charge-offs (annualized) | 0.93% (p88 of band) |
| Loans / shares | 92% (p94 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 1.90% |
| Net interest margin | 4.81% (p94 of band) |
| Operating expense / assets | 6.28% (p98 of band) |
| Vehicles % of loans | 37% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 48% (p55 of band) |
| Vehicle delinquency | 1.56% (p86 of band) |
| Vehicle NCO | 1.54% (p86 of band) |
| Repossessed % of vehicle book | 0.08% (p77 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 27% |
| Average share balance | $4,592 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,907 |
| Loans granted, annualized | $38.6M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, charge-offs p90, repo signal |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 3 |  | delinquency rising |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 6 | net worth falling, margin squeeze, members leaving |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | delinquency 2x band |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 2 |  | margin squeeze, members leaving |
| 2021-12 | 4 | delinquency 2x band, assets shrinking |  |
| 2022-03 | 3 |  | delinquency 2x band |
| 2022-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 4 |  | assets shrinking |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | loans>95% of shares |  |
| 2024-03 | 3 |  | loans>95% of shares |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency 2x band |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency 2x band |  |
| 2025-06 | 3 | loans>95% of shares | delinquency 2x band |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | charge-offs p90, loans>95% of shares |

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

- 2026-08-10 [Southwest Louisiana Credit Union celebrates grand opening - Evangeline Today](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQR3BVTk9xU1J6bFFoYVVFUTJzS2lDOF9nQ0tMRW54V0xRNVh3d3kyZUFjaWZFTndnUUs1SWZ0bF9SZk9CLUNja1M2Ukx6UEFja2hpQmk0VnVoRFlMMzEwWnJBRzgxV3pyMEtDbzBJTC1LWE5MSm93RTd2Z0hEN0dTMTFHZnVtdko3VlpNeXFaVlhubmZyTml4T1lGTzBwMjVuU2xtSHRGZjJjVUU?oc=5) · Evangeline Today
- 2025-06-26 [McNeese LSBDC to Host Lender Panel for Businesses - McNeese State University](https://news.google.com/rss/articles/CBMif0FVX3lxTE1YYWtVSmVVXzg0amZMa3h1dlZWdFVLT2NhLXVSXzRPcnVIQ2EtTDhRWDNuSW0xUUVkY1hiYm5EMTdoaEZ4cnNCYVBiWXB4NF9VamhSdUs2b2ZpZDBkUmduQ1BMV1l0YnFFMG9iaFduTnp1MDFKc2hVRllhbjZCMkU?oc=5) · McNeese State University
- 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
- 2022-02-10 [SWLA Credit Union hosting free tax clinic, financial counseling, blood drive to celebrate ‘grand reopening’ - kplctv.com](https://news.google.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?oc=5) · kplctv.com
- 2025-06-13 [Luminate honors exceptional achievements at 2025 Luminate Awards ceremony - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxOSEVTZHoyM05nNnRvR0tUdV82LVkwX3NRU3VFMllhWm52Y0RuZEpOV0UwYWIxbUVCR2R1YlRDR08tc195MC1SbFlDakhkVGdzcE54VEFKSnc5em1DdTkxWEIzZlo2QkNiMHNQUW9zWVRFVkRJUm1aS2xkZ042Z1prbVROa3VteXB4cmZ0ekI2SWNIcVEwNHFRdEVLTzZVMW1UakkzUUx2M1YxSXJSTGwwcFh4cDY?oc=5) · CUInsight
- 2025-09-19 [Ville Platte gains state funds for new parks and businesses - KLFY.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOclZBSWk2MEhVaVBKMW90NWJkWmFoLUN6WFNLNDRfUEw4VlljeUNRbVdoV0N6WXVIS3A0X1AteEV4bXVoQm9kYnFRajFORkp4ajhQaFJaNWFtbEhYMDllQUQwS0twa2pqRlFaNFBqdXpEVHROZDlsRFNNaTNIVXlhUW9VWEcyQU1td3ZKV082TFPSAZYBQVVfeXFMTUR6a0Y5SHRCcjV2WGJSV1pVWjJibGtWQmZELUd5MlJYM2tiZG4zb0dBZkdSeGpwQ0ljdjVsOVJKbFA5NVdYWVBaSERIQjQyY0NVS05mUGdWZ0JHb0dNM1lURzY0cXZJaVN6NTQ5SnRNeU9rbTNPdnlDaDlHdlh3QlRQR2pKOGJVOXpyaU1qc3NYZDF4ZnNB?oc=5) · KLFY.com
- 2026-08-12 [LSU finalizes 2026-27 women’s basketball schedule - 103.7 The Game](https://news.google.com/rss/articles/CBMijAFBVV95cUxOc0E3dm9MaHh6R1hxbWN6M20waVQwTXVDYV94V0lMYmdhTnV0TUtOelNXc0VTLURGcGNLVWd5NHp2U2VzZGRMZkJpMUxOalZaYV9DM0RrNjBNdXNCX1p1b1QzZEpIVGROM3g2VkZ6Z2tublBzdS0ybkdZQjlxeGR2cVZOXzZTQ1ZjbVFUSA?oc=5) · 103.7 The Game
- 2021-03-27 [Judy Bennett Obituary - Sulphur, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUmF4dVlFZFJ6c1ZVUDJqNjE5Zy14WHdTVlVFMFA4VGEtQnJHN1pubHZkTHBwaWF6M09Vc0t1cndhZkUzZ1ZLb0p0blJvaHFld0hKdUN6Y1VJVlVVTmVMa3hUTnZPU0VxaGFJN3ZuS1JPZ1lqX3dRbFI4b3pMcG5Bag?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62756 (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/36.json (key "62756", 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=62756
- 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