# HERITAGE
LAFAYETTE, LA · NCUA charter 62814 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/heritage-62814

Who the members are: state charter, organized 1940. 1,442 members of 10,000 potential (14.4% of the field); checking penetration 14% (share draft accounts per 100 members); loans per 100 members 35.

**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 | $15.4M |
| Members | 1,442 (-21.6% YoY) |
| Full-time staff | 4 |
| Net worth | $2.0M |
| Net worth ratio | 13.2% (p56 of band) |
| ROA (annualized) | -0.26% (p20 of band) |
| Total delinquency | 1.58% (p70 of band) |
| Net charge-offs (annualized) | 0.75% (p78 of band) |
| Loans / shares | 45% (p34 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.79% (p43 of band) |
| Operating expense / assets | 3.32% (p49 of band) |
| Vehicles % of loans | 49% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.20% (p88 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 4% |
| Average share balance | $7,711 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $11,794 |
| Loans granted, annualized | $2.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 6 | delinquency rising, assets shrinking, members leaving, loan book shrinking |  |

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

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-08-28 [3rd Annual Hispanic Heritage Festival - NBC 6 South Florida](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaGpCdnVaM1JYUEoweVl2MWUtWVJhb3JvTnZVLVFJZ3ljNmhRcmJ5M1RzMmtOUnMtSkZnckFKSlhwc013YzhrdW0wTFRSQ3B5eUJoWEVjSVU2b2VGU1Vra0ZtNE9RS0pvbGd6Z2lxN1hSOHBSeVFYamgwRmtESU9GVXZBTk5nengw0gGQAUFVX3lxTE9nZFFvbTVIM2xTcDVHOHhTSFZlSlUwdFJrZFpaNW16aEJ2a0NsZHYzR09BVmZnRFJicUVOUFQ1V3NZTTM4S0JGTjJqLXpCX2JxOWhDY202ZjIwVUZDUjh5TTZrR2prWkRzc3Q4ek5qZ2JlQ3NMTVRKRVNiczJjaEp0M01BSEJCdWpPWEdRWktxaA?oc=5) · NBC 6 South Florida
- 2026-05-19 [Combining funding and mentorship for nonprofit capacity building - Candid](https://news.google.com/rss/articles/CBMifEFVX3lxTE1sdU1IV0FTazB4U1NITUFlVlRrYktzSDBqQkVVS29RSU1EUGlRejlOal9VUEg4OWFkb0E5SHV2OXFkdUNMZXI1YUcyaHFzN254b212OWpVQUFMbGxxUFo0eGwwT1ROQnc2Vzc5a3hLTEpRUTdST3k4LXlBVlY?oc=5) · Candid
- 2026-01-16 [Richard C. Maringer - Heritage Funeral Homes Milwaukee, WI](https://news.google.com/rss/articles/CBMibEFVX3lxTE9kYTVvZ2t6WF85Vkg4dVdCZmJxOEJLLVdmSnNnVkY2TjV6QXlOTDlnTTNVY2d3cVFNSk1lVnlsdTkzbmg5Y29hX1JqV0YtU2pCWW5RNXZtamt2ZmxiYkFVLVhmLXhnZFlIQ05qMA?oc=5) · Heritage Funeral Homes Milwaukee, WI
- 2025-07-25 [Louisiana credit union to buy in-state bank - Banking Dive](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWDNSX0lLTU5PYVZKa3B6bXdyb2l2ZFhaWENfQW1XM2hQTzVLaW5zMHVNS2M2NEdZM0NsWlRXM1lld1VKejJtWVNpblNaUFJvWTJEYVMtemdQNmlNbVBmUng1UmhldC1adUFJZ1psZTFTYmFFaGJobk5FWGFGNnFiYWRlMDRxaldSTmpvTl9SMlNQZ1BTT0VQRU1VOVlCTVVPV1hvekE1a2lkMENOSnJhTnF3Q0U?oc=5) · Banking Dive
- 2025-07-24 [OnPath Credit Union Expands Footprint - Biz New Orleans](https://news.google.com/rss/articles/CBMickFVX3lxTFBONGRTVDdtMVptcjNQd3VEQV9CeUd2SjAtUFJvYUgtYWNvVWxkQzlreVFWc1dxcl9kX0ZuM2doVEtiVVNya3V4YUNGOWRoR2p5TmpmbWp0QTlZeFBseEJyNFZyV2hucXd0d3RYM1h3Xzk2QQ?oc=5) · Biz New Orleans
- 2026-05-14 [​​​​​​​Dozens of lenders hold back on rate rises even after RBA decision - mpamag.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQRmNCQ2gxQnNrTW9OV0dDajlxUV9Db1lkSXg2MS1IRDJrOE1nYWlHRHdqM19CdHJwTlNxU2RUOEczeTRjUHFOcGVRT3pFNS1YNUpVY1JIcWZTU1hKOTBJYlAxdXYwMlZPbXFlRm01X3E3Um9OOXB0cXpiY0k0ZHJDUm9YZ0JpQzUydVFOUjBBcFp1RDRYeHZDejNVdzkyMnBseWRsUDQyRldJNW1kU0p1Uw?oc=5) · mpamag.com
- 2025-07-25 [OnPath Federal Credit Union acquires century-old bank in Covington - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRnIyUndXMTVsUWxwUnh3anFZYkpHOFZ6dDYwXzRzWkhXNm9EZkduRUk4blg4d1NCcEU4SFRnSGV1WmM5am5ZalNyWWYwQVEwb3JWY2JSQk1Vb3I3UERoNjZHcUdUZXNiR0ExVUtnVU8xeEhOSUFPRTRPMnpnSU1YcHQzLUFyb1hwVHEwNWhqNEFkclk0?oc=5) · New Orleans CityBusiness

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62814 (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/30.json (key "62814", 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=62814
- 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