# MONROE
MONROE, LA · NCUA charter 62935 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/monroe-62935

Who the members are: state charter, organized 1968, low-income designated. 1,042 members of 2,000 potential (52.1% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.3M |
| Members | 1,042 (– YoY) |
| Full-time staff | 4 |
| Net worth | $265,603 |
| Net worth ratio | 8.1% (p12 of band) |
| ROA (annualized) | -1.73% (p5 of band) |
| Total delinquency | 16.77% (p99 of band) |
| Net charge-offs (annualized) | 1.21% (p87 of band) |
| Loans / shares | 64% (p66 of band) |
| Cash / assets | 26.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.21% (p97 of band) |
| Operating expense / assets | 10.09% (p99 of band) |
| Vehicles % of loans | 77% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 20.00% (p99 of band) |
| Vehicle NCO | 0.19% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 24% |
| Average share balance | $1,960 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $5,507 |
| Loans granted, annualized | $796,600 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, expense trap, delinquency 2x band, auto monoline |  |

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

- 2026-03-24 [ULM Alumni Association presents 19th Annual Wine Over Water on Apr. 16 - University of Louisiana at Monroe](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9xLVRWc1RDcnQ0MmEzd2lDaDNDSldnSWp0Rld2d0h2RTRpQ3dmMUF4aGtsTElwMXhjb0l6bVA2TjZPc2g2SFBRY01RTmFndFJTZGlyX2l0SFNuU0lGSHlSSHFWaUI3MTVQ?oc=5) · University of Louisiana at Monroe
- 2025-11-19 [BAFS Launches Blueprint Advantage to Accelerate Credit Union Commercial Lending Growth - Business Wire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOeDhtU05TMWVmSzhsY21zbktnWFJHU3VwY0U5Tm9IYVdUczhHLWhMeC1iVWNDT18xLW5rMGhxTU9nNmdCOVhmVjRlMS1DNTc1YmxiRlFHU1ZtTkllZ2hwN005NFBwSUQ3Q2R0UmxhVk1vMTZQaTRXTFVPZm5PYlRScWg4WTNhS3hrUGI3cVUxYnYzUmFUZDZEcHdOMVJtTFBXOW5FbG96TUFibkR2c2FwSElnZ3VpR3YyRlc3SEVzRE5UeE1fSmV1aXJPdXRONlpJLWFqWW5ITU9rUE0?oc=5) · Business Wire
- 2025-05-01 [Monroe Telco Federal Credit Union unveils new name - KTVE – myarklamiss.com – Your ArkLaMiss News Source](https://news.google.com/rss/articles/CBMimgFBVV95cUxQam9QSjVURVRfaHlCUkpVTnFQQjIwZEE0MXhaWk16VzNNVWFidUlndDNKcHg2T193VDB1SXZ1WUlEMjFCbngxMEpkV0FyQUFpR1l6MW1QQUlndV9hMUd5aXlOQWFNbzJ3bFc0WDMtOFZqUGZFSS1qYW5ZS19IaXJWN3JxR1o1WmVXQ1loV2lKWnp6aWxTaXJSXzFB0gGfAUFVX3lxTE1uOXJ6UDVfZE1vQkpMUnpmOU1KdTJuQS1HS2F3TWtGR25QLTM5c0JTVjZKRkxzd2ZETE1hM2xWYnRsREtkU2dvdHV4NGI0R0p3aEZUeHJrN0NTMmVmWGpoMDY5T2d1cms1UUJCWkxGMU5PMVgyZ3g1blNna3BlNHdyOGxCek84MUJNQU1DLW83NVdzRVZUTGVZaklRVGRoQQ?oc=5) · KTVE – myarklamiss.com – Your ArkLaMiss News Source
- 2022-03-29 [Rams, UNIFY Financial Credit Union and City Year Los Angeles team up for beautification project to inspire students at Woodworth-Monroe Academy in Inglewood - Rams](https://news.google.com/rss/articles/CBMikgFBVV95cUxNdVBvREhQUmRmSEh3WWVFWkUyczNZSWF4WlhadEpzZ3pZV25pcTVpVGVUS2xRZHAyaVBGZVNmcTE5aGl3YUlrOElSajhTX3ZmdmpqZVo3V3E1SEpsazVqYXdEQkxhMjZzaVdvT1ZuVkhGR2xsT0JzSC0zLWFNbE1UbFZpZTRZSjcxTk9wVzI5QXlqdw?oc=5) · Rams
- 2021-10-04 [Centric Federal Credit Union announces retirement of longtime leader Joleen Martin - CUInsight](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNeEtOQ0pGYkViSGVqTkJIUzhDS3oxU1plU2tKMHVsVWNZV1VmSkE4M3NEQ25FRXBIYnNaQ2dtZnVaSjBMTWVLeGFBQmJQNFF4ME43aldRZC10TWdMdnJzZjMwMG54alh6VV9tcUNNR0NBelNmYlo0N3FzR08ySUdWeXM0dFZIWHZnVHhfOTc5V3c1djdjSDZvaEJpS2JpUzJTci15RlQ5MFR3bWM0b1A3ZGtFNVhwMzJrZFNXZnpkZlQ?oc=5) · CUInsight
- 2022-10-04 [Centric Federal Credit Union in Louisiana promotes president to CEO - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxPRjFHdmZtTGR4WlVYZmt1LXVuSGxwZE0wejZmaG4zWGdyT1R4eU42RG50SXBIZFloZEx5NW1aRGI3aDAxX3paYXhhWS1YWXR3bHl4MWQ5b3BpcEFUSVdSaWJvQjRZVU0tcnFKd2gwelNFQzlnZ3I0RFI1QWw5dDc0bXRxX1dsMWZRQ3ZrMlBocWJ0NnhhSHVTNC0zQTcxVk9vS2Q5Y3FXZTNWUTZIVkh1QXBIYS1VNEk?oc=5) · American Banker
- 2024-11-18 [BBB: Navy Federal ordered to pay back millions to consumers - KNOE](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWTd1Qzcxd2FMSTBXcE94VFVwRUZZYldTX3ZqckEtWllrZGtZOHVwaV9QN21hT3RuMkV1alZvamRVM2Y1RDJ4cF9HdVJRd293SmxzZTQwTGlvckZ5aWdSV2RyUmFGTGQta0tUakRBNkdTb2Q5RXpuT2xOeG9QNHpmak5sSTExcmREcERPQlF3?oc=5) · KNOE
- 2025-09-04 [Jessica Vera: Fostering Growth for Members, Team, and Community - GreatNews.Life](https://news.google.com/rss/articles/CBMilwFBVV95cUxNNXRTbzY2YVJHSHg5MW54Z01zLTIwRjhqd2dLRFcyQU5ESnozWjc0bjNOSm1UOF9sQWZka2diY0hqVHF2N04yR0dGUG1xd1kwM3RPQ1AtZ2RFM0NXaEFLdE9IbUVha2hjelZfYTMyWjNaOHR1X2hPR2o4VnFkbk0zMzZ1cV91OEUyY2p3bzJWYWE2YlpXVGRZ?oc=5) · GreatNews.Life

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62935 (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/23.json (key "62935", 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=62935
- 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