# DEPARTMENT OF CORRECTIONS
Baton Rouge, LA · NCUA charter 62808 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/department-of-corrections-62808

Who the members are: state charter, organized 1957. 13,554 members of 15,000 potential (90.4% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $124.6M |
| Members | 13,554 (-4.1% YoY) |
| Full-time staff | 43 |
| Net worth | $29.1M |
| Net worth ratio | 23.3% (p98 of band) |
| ROA (annualized) | 1.81% (p93 of band) |
| Total delinquency | 0.39% (p31 of band) |
| Net charge-offs (annualized) | 0.48% (p65 of band) |
| Loans / shares | 77% (p63 of band) |
| Cash / assets | 37.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.18% (p97 of band) |
| Operating expense / assets | 5.81% (p95 of band) |
| Vehicles % of loans | 45% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.50% (p47 of band) |
| Vehicle NCO | 0.92% (p70 of band) |
| Repossessed % of vehicle book | 0.04% (p71 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 21% |
| Average share balance | $4,480 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $9,221 |
| Loans granted, annualized | $29.4M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-01-15 [Terri Lynn Camp Hines Obituary Jan 15, 2026 - Church Funeral Services & Crematory](https://news.google.com/rss/articles/CBMic0FVX3lxTE83NV8yeHMyMVRjTHVoMTNsemtVVUlmVjFDM0ZKOE03b3A4cEZsUGZoQWtzWm9aMkNvQXdaZDZ0NUo5THpocGF1UHFBdXQtQ1VEejU1US1mcHl4SUwtN3piekVZczhIeFVqUFVaWm1DR3lzQTg?oc=5) · Church Funeral Services & Crematory
- 2016-11-10 [New time capsule placed at site of original in Louisiana Department of Corrections building - The Advocate](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPVklKSzNRWTlNNVVTdmE1aXZOWHV2NnlUU2F5emdSTWd5RHdwTjlSQ2JMOHpPdlV5dnVXRXZJUEd2N08xYko0U29hZzBkX2tkdzNnRXdGZGQ3cUlad3pCQW14enJnX09PemRpdllpa2ZDSmZkLWk0emFUOE1zeU8zdVB2bTB2TFo4NHJNUFpFT25QUjlmNkJzWVZZT242OGRKUzVFWGhOSWNoMHlmMlpBWHZTZ0lDWmxJTUxSVnF6WFdTU25aajk1MUUyNGNtbE1jRzl3NEdPdXBoaEVKc2lDbTZHbGdwdWx0R2RkTHl2UGszSC1KQTg3OFlIZWpxQQ?oc=5) · The Advocate
- 2023-11-03 [CDCR Week in Review: November 3, 2023 - California Department of Corrections and Rehabilitation - CDCR (.gov)](https://news.google.com/rss/articles/CBMic0FVX3lxTE5OemVKNTQ3MUFySXhRVXBYdHJMd3k3UFRyZ1ExT21DNkhCSmkxcG5NUW9ZZXNTWjN3V1NIY2lmVnU5eEUtZ0F4QVlaYTNFZDRCN0c4cWJtR1Q0VEJLWVdTNF9RLWN6WWhaZjJuMk1vN3dJNDg?oc=5) · California Department of Corrections and Rehabilitation - CDCR (.gov)
- 2026-07-09 [Funding roundup - Community College Daily](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1KVVVJTC1qOE9peERNOU14UWEzR3YwN3RJZDVZN0FvMHRfdHNfMVg2SGE2aEs2bVVkSjFENXVCa0xtUzZVZzktWWpYcmtxbk9oY0V0VzY5blBYYkQyaTJ3bWpB?oc=5) · Community College Daily
- 2025-04-18 [What happens when a CA homeless camping case goes to trial? - CalMatters](https://news.google.com/rss/articles/CBMifEFVX3lxTE1WM2wtQllfcnA2a3VXZlVtUjBaUFEzbjNyeDc2LXFZbGpVRV9NdlNJV1l1TzY2T3M4amc4bTFQVkNGYWZ0VGhva2Y5QmhrT1NzVzdHTGp1Z01jRHRjLWpEWm9WdmpmcEx5dGZiRVd1OUd0RDZDVFRMZ1o5ZkU?oc=5) · CalMatters
- 2014-04-23 [Credit union robber: 'This arrest probably saved my life' - WLOX](https://news.google.com/rss/articles/CBMilgFBVV95cUxNaVBleHJ6ZHM0YlNqVGVya2NUX0o3XzRJbi1EM3I2dm9LMVo3SHp5TjExTzJrdEZmcFZPNEhUUHZMU2FqLUhOS3A5c050S1lHaUdFSE40NWtfU0JFVG9xY0VkX0J0bHJzMTB5LVdfektUZXBuMkI4WWVjYnNBb3h0a3Y5UzhLdjVCYVNtaFU0R0FQcnk2Y0HSAagBQVVfeXFMT1k1NElfd1BVeUNPVlBTZjFQeno5NlVvRkJneG9RcGNqLVo0Y1ljSzU4ZGRRcFVJVndjell4SGFxTnRpN0N5Qk1NUHQwVm5ST1NuVlFxWkFoYkRycnRkallUXzJzY3E0anBYZDhCNDlVUFdpejBiRGU1MUJicEJDYzA0YmM4OTU1bGtsRVpoWm9Uby1VNzdXbnJaWXFwdG83YXUxSl9vVE1G?oc=5) · WLOX
- 2016-09-13 [Jack James Leo, Sr. Obituary Sep 13, 2016 - johnsonfuneralhome.net](https://news.google.com/rss/articles/CBMicEFVX3lxTE9Nd2tON1htbUxNWk5JVF9rZHVzUFRVNHo3bWZ2TEg3Y05xdndWYmF4SDdpQlBrWW1kOWU1NWY5d0RwQUNJUjhEbmI3dGtpd0pwazNSaUN5UFp5Z29WdWplak5yMzVseUNCOUdyUjR6cU8?oc=5) · johnsonfuneralhome.net
- 2020-08-04 [Oklahoma City man arrested and charged with robbing of Focus Federal Credit Union - KOKH](https://news.google.com/rss/articles/CBMisAFBVV95cUxQbVF6bGV3UExPT2hfMldEX3BvQlFfaDBkbUxfd1gxbnItOWYtRXo1UXhhOE5sWklLR2w4VUFNX21zSlYxTkZqUF8zZUdnUExqRmZLR2pEZmQ5dEIxN19Gd2Z1RjJQT3RDcVVhN01zOEN3RFh3ZmZTOUV1M19SSXF6UnFRZXhYYlFUUF91NFcwZ0cyOGJOWF85dzE1ZUxGYUlRWUc2NkxyZi0tR2RxYXBLaA?oc=5) · KOKH

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62808 (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/24.json (key "62808", 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=62808
- 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