# FEDERAL EMPLOYEES
MONROE, LA · NCUA charter 62929 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/federal-employees-62929

Who the members are: state charter, organized 1941. 1,305 members of 3,000 potential (43.5% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.8M |
| Members | 1,305 (-2.3% YoY) |
| Full-time staff | 4 |
| Net worth | $7.3M |
| Net worth ratio | 32.1% (p94 of band) |
| ROA (annualized) | 1.46% (p84 of band) |
| Total delinquency | 1.63% (p73 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 95% (p94 of band) |
| Cash / assets | 32.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p59 of band) |
| Operating expense / assets | 3.05% (p33 of band) |
| Vehicles % of loans | 71% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.60% (p74 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 16% |
| Average share balance | $8,127 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $18,114 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | auto monoline |  |
| 2016-09 | 1 | loans>95% of shares | auto monoline |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | delinquency 2x band, members leaving, auto monoline |  |
| 2017-06 | 3 |  | delinquency 2x band |
| 2017-09 | 3 | delinquency 2x band, delinquency rising | members leaving, auto monoline |
| 2017-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency 2x band, members leaving | net worth falling |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 5 | net worth falling, auto monoline | delinquency rising |
| 2019-06 | 3 |  | loans>95% of shares, net worth falling |
| 2019-09 | 3 | loan book shrinking | members leaving |
| 2019-12 | 0 |  | delinquency 2x band, auto monoline, loan book shrinking |
| 2020-03 | 3 | net worth falling, delinquency 2x band, auto monoline |  |
| 2020-06 | 2 |  | delinquency 2x band |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 3 |  | delinquency 2x band |
| 2021-09 | 1 |  | net worth falling, auto monoline |
| 2021-12 | 1 | auto monoline | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | loans>95% of shares | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 4 | delinquency rising |  |
| 2025-03 | 5 | net worth falling, delinquency 2x band | assets shrinking |
| 2025-06 | 4 |  | net worth falling |
| 2025-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 3 | delinquency 2x band | net worth falling |

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

- 2026-03-24 [Credit union offers paycheck relief to TSA agents at MSY during shutdown - WWLTV.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNZWJBUWpFYTVfY0pveGdyejQyLWFHRjhJbnM0bEdMMlJnRVFfWHR4Umg0MGFNR1N5bDdaaXNtVXdsdy1ueEFZNGM1enpmeVBvbURlWEtIcDA3aUdaTVVoV2FJTXVobjNJVGxVNWJVYlhmMmFRMTNpcW5iR19JVGpGSUNuZE83QkV4YllhT2lmcElUd01sanh5TFVIQXpDN1BCUXNlUklvSW5TdmtYMDBDUmttU1JYcndIRlU0clZabnhCWTdfTXdtRnlIWXI1ZjFROFJpdnBzOE9UTDcwQm1aRnNWbHEtcl9iV2xPVnFSMnBxWlE0?oc=5) · WWLTV.com
- 2019-09-22 [The Best Credit Unions to Work For - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxNM05ncWtPeFlxbFM4QnNXeGJzTjRuNUtISFBSYllieHZZZ3AtYi1FU3phcnZjSUJmc20zOHFjaUVBNGQ0M0c4MTNqWnBHLTQxRzdWUXN2WWVvaVdrOU5TYkM4blFSOGVpZFVqOFk1T3pzRDFDNC1YUmUzMFVfU1dRV3daR0N3VmpBeTBYQzk3cEZBQQ?oc=5) · American Banker
- 2025-10-24 [Friday marks the first missed paycheck for federal workers, but who else will be impacted as the shutdown grinds on? - Colorado Public Radio](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUlBjU0RZSmNzbURBTmNUZGFTRURWZFpMVDk1S1BSLXJEcThBaFpEcl92T1haaWNSMzVkc0hKazh5aWN3eFlvMXZ0eG9wV3MxbnQyX1pMQTBySHdDUDNKWEVTT3dfdnZvUWFHRjh3M1J5Z0g3VG5vTTE1UDQ2Q2ZwdHcyZURfVVRFelpSWlprMA?oc=5) · Colorado Public Radio
- 2026-08-08 [Three Credit Union Leaders Honored At DCUC Hall Of Honor Gala - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxQa1Rqd3dvNTZWQi0taENLdVJtT3A5dE05TjRaUFpVM0tmVG02RmpBVWRkRDk0WDVQc3YxSC13QUxiZ0NmLUxWOUxTQ1BuQ0tZUExZQVJDM3NoY0c2b0taeEIwUW45V081YkNrb3p1azI5N3hKcm9vdjJnUG1hSHFIMHAtb3lrcFdCVC1xTF9KaXdIaDNjcFBTYUZreWdEVHM?oc=5) · cutoday.info
- 2025-10-02 [OGE Posts Guidance on Accepting Assistance, Outside Work During Shutdown - FEDweek](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOVUVfOTFENGhIZHY2ZEQ0UDFnNlJDeldzSXp5X0I5UHNIcU5sTmNHZTFDV3NMV1g0eUZjMXNaOFJ0S1g4ODUtUnhqN2tBcGJwOXVranFsM1IydFlmbnd3cmVtNzRrcGtsLVFoSk9rSm81Q194ZFE1QTUwOXZOblVPMkpsSTNrRU4yTHZPQzZLM01ldmdXbGJVXzlQWXhBUEtjZ2phNVdQUmlscDV2NmRyZWxydmJoODlu?oc=5) · FEDweek
- 2025-02-07 [Cabrillo Credit Union, North County Credit Union Agree to Merger - Times of San Diego](https://news.google.com/rss/articles/CBMisgFBVV95cUxPd1lxVTZ6WHZXV0pmRGV0Z0tETXlkb1EwZWdhMzc5S0ZxTTV1Y21fRmFIQ3RvVU1vNWRVd3VFR2dsLVZneUFXUTBaWTdrVEJzZW5LbGdxQjN6VDV6Z3JFZEhpbEZOVk1jdHYyT01OZUlHd0tULUFXUVNiZXJ5WnpDQmd6M016QVZhWWNmbTZncW9TUlkyeGVoRFN4RmxCb2pYT2hfdHRMY1NXc1JYeGpvbFd3?oc=5) · Times of San Diego
- 2024-01-25 [New VP joins Purdue Federal Credit Union - nwindianabusiness.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMGt6cTA2TEgtVGgtdWM1RVFZYnkxTDRvOG5mcUh6eVJheUxvdXpMS3JjZFRFdjBqX2l2c0RGVUtGeXlHRWdVM0tOeDRYUm1YR3NIMzE5ektpbm56bEJ0NFpxSGtid1hjcGJaRm9NZjhYcDJWdXppbS1ENWtSNmpfbkNhRkdOcjAzMGZlc3N3WXJxY2FMNktWNnpYbXY?oc=5) · nwindianabusiness.com
- 2024-12-16 [Edward "Eddie" Hester Oakley Obituary Dec 16, 2024 - johnsonfuneralhome.net](https://news.google.com/rss/articles/CBMia0FVX3lxTE9wZUVIdnZBU0tUSmdFczFUX2JObVJ0ZTBJODFpbHJWaktobzdmY3lfVE5FTFd6N29iS2tMaFpIRW1Dc2l2ZXQzeTduTi10d0RYc3VyV2hPY3ZJdU5HR3hoS1pGc2ZGYXVvaE9z?oc=5) · johnsonfuneralhome.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62929 (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/17.json (key "62929", 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=62929
- 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