# IMMACULATE HEART OF MARY
Lafayette, LA · NCUA charter 63143 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/immaculate-heart-of-mary-63143

Who the members are: state charter, organized 1942, low-income designated, minority depository institution. 351 members of 500 potential (70.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 5.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $614,678 |
| Members | 351 (-5.4% YoY) |
| Full-time staff | 0 |
| Net worth | $190,294 |
| Net worth ratio | 31.0% (p93 of band) |
| ROA (annualized) | 0.20% (p32 of band) |
| Total delinquency | 9.35% (p97 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 41% (p26 of band) |
| Cash / assets | 32.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p16 of band) |
| Operating expense / assets | 2.69% (p24 of band) |
| Vehicles % of loans | 80% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 9.05% (p98 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,205 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 5% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $9,675 |
| Loans granted, annualized | $12,000 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | auto monoline |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | auto monoline |  |
| 2017-12 | 2 |  | delinquency 2x band |
| 2018-03 | 1 | delinquency 2x band | losing money, auto monoline |
| 2018-06 | 2 | losing money, auto monoline | delinquency 2x band |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 1 |  | losing money, delinquency 2x band, delinquency rising |
| 2019-06 | 3 | delinquency rising, assets shrinking |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | loan book shrinking |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | losing money | loan book shrinking |
| 2021-06 | 5 | margin squeeze, delinquency 2x band, delinquency rising | auto monoline |
| 2021-09 | 3 |  | assets shrinking, margin squeeze |
| 2021-12 | 6 | net worth falling, margin squeeze, loan book shrinking |  |
| 2022-03 | 6 | auto monoline | net worth falling |
| 2022-06 | 5 |  | auto monoline |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | margin squeeze |
| 2023-03 | 5 | net worth falling |  |
| 2023-06 | 3 |  | delinquency rising, loan book shrinking |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 4 | assets shrinking, loan book shrinking |  |
| 2024-03 | 3 | auto monoline | losing money, loan book shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | delinquency rising | assets shrinking |
| 2025-09 | 4 | members leaving, loan book shrinking | delinquency rising |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2026-08-18 [Los Alamos JJAB Thanks Community For Helping Make 2026 School Supply Drive A Record-Setting Success - ladailypost.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOV3lzcnZqS1JhQUVUXzl0WkdMTzJvYU0tMnF3NmxydlRjR2xFMTJuaHN4Y2tfODJJcXpuNnZpelNmTzFBWEVvUTRtVkZpNHc4QndHYU5KOHZXR0EwbXdnakNnQXJGS2p5YjdpMWVfTWpwTEx2UllqZzdQQWRQbEpYS2F5aUNOVC1VOEV0Y1BRbTY0eWtmRWdTUmZVTTdYYjAwUXpMa1F5WFJUdm00b2VhVUxlVFZPSkF0Mkd4b29QRHdvdw?oc=5) · ladailypost.com
- 2022-09-27 [St. Ann Church in Arlington celebrates 75 years - Arlington Catholic Herald](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQXA4d0RoYWZFSUcyTHFkbE5hSlF3VnBZZWNuTDhjNHQ5RXB6aENVYzFIYkJmcHZLbHpXVlZaRDBrYjVvNmxaNWZKcXB5NV94cjRNQTZJMk1yQ2VFTkdmY0tnX05wdlF2aExfbC1UbFBuMXJESGQxRHJSU0k2UkRBbzZtMjIxOEVuTHV3eXdYcWZjdlU0akhwcjNRMWVGT3U5dllJ?oc=5) · Arlington Catholic Herald
- 2025-12-08 [Residents celebrate, come together for Ramona’s tree lighting - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMirAFBVV95cUxQNDZRNmYwOHI5M0QzMmh4T0pXTG1QdE9mS3RFQ2NCeHNHcGdnQ2RmYTlGeWtLOU1tSnhsX3ZsWTNBWXF6TkNyM0t5Z2RCMkZWSzJWOGs5cG9JekIxc2pYNDRPR3h3RzhSTS1GcE1VaHAyUmk5OWNIS0o5Y3NrSTFoa004NzVKRTdRbm43MTZnQnVKVVhWLUh5S21Ba2kzdFV4ZWtFa3ZTcm4xeXdZ?oc=5) · San Diego Union-Tribune
- 2021-09-27 [Anne Scherer Obituary (1935 - 2019) - Erie, PA - Erie Times-News - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxNZFMwSlkzcjRlN1hfMEFsQlNtaHdySkFfS1ROSXB6ckwycnIyanpiX3hyTm53X0F1NnQ3eGxXTFh1LWQtcmNGMFRuVDJPRXJLSGFKYnNEakJmd2YzQVpUZXEwMWZWb0cyM2ZXdDUtUXdETEdjUkViNHRPbnZoNEFZQUsySXh5QmhrV2l1aVdKcmJTZw?oc=5) · Legacy obituary
- 2018-03-16 [Mike Miyagishima Obituary (1930 - 2018) - El Paso, NM - Alamogordo Daily News - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxPNldwNV9BUTJsMzdTYjlFN056X0owOHIwalJJVmhLU1pwSEpnS0hld0VDOGpVS1NqVDZ1N3RxemtQNmNzUE5seHN6LVpPX0thR196QVFNQjRScXFrdmtIUVVhbXh3YkJ5dUxQckpXY0JxYWU0TnZyZDJRQUlnZjR3T2paemtZMFQ5cWlsWUJzcnA5bkJ0OUJXaExR?oc=5) · Legacy obituary
- 2005-11-23 [Irving Johnson Obituary (2005) - New Orleans, LA - The Times-Picayune - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVlRPbXlZS2tEWTVMOEIxNFY4SEN5M1lEYmVvQWk1NnhiMVNQUTNkNXhMNkZIZEpCc3Z3bF9aTmE5TnE3QWFRTkQ0X0o5dWp3NmVBeVZ6a2FEUjZnd2RBUkVWcTRYUzJSdGlpTXNGTFkxMTdhVHl0T01aZUw0Uk5Lc1k0MWltSG5Vcmc?oc=5) · Legacy obituary
- 2021-06-28 [Carl Blouin Obituary (2018) - New Orleans, LA - The Times-Picayune - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZS0xa2xhZ0hqblplazR3UXVvZ2hUT18yRlhuYlQxYTNJS2JocWptREJMQ2x0YndEVHZCLXhhd1RIYWE1Uy1mcmdqbGlZQ1FaMkQ0Wi1GUE04WHp3X1BNeUhWRkQ0THR0YWxTbGhzLU9Sb3NTSzI3ZkN6aWstZ2xlMV82Sjc?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63143 (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/39.json (key "63143", 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=63143
- 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