# S.A.I.F.
BATON ROUGE, LA · NCUA charter 6528 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/s-a-i-f-6528

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 1,512 members of 4,000 potential (37.8% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *too clean*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.8M |
| Members | 1,512 (-0.3% YoY) |
| Full-time staff | 2 |
| Net worth | $556,785 |
| Net worth ratio | 6.4% (p4 of band) |
| ROA (annualized) | -2.34% (p3 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 0.06% (p64 of band) |
| Loans / shares | 44% (p43 of band) |
| Cash / assets | 37.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.81% (p19 of band) |
| Operating expense / assets | 5.37% (p93 of band) |
| Vehicles % of loans | 76% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p20 of band) |
| Vehicle NCO | 0.00% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 15% |
| Average share balance | $4,078 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $8,679 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 4 | delinquency rising |  |
| 2017-09 | 5 | assets shrinking |  |
| 2017-12 | 4 |  | delinquency rising |
| 2018-03 | 5 | net worth falling, delinquency rising | assets shrinking |
| 2018-06 | 4 |  | delinquency rising |
| 2018-09 | 4 | assets shrinking | net worth falling |
| 2018-12 | 5 | delinquency rising |  |
| 2019-03 | 4 |  | delinquency rising |
| 2019-06 | 7 | expense trap, delinquency rising, loan book shrinking |  |
| 2019-09 | 6 |  | delinquency rising |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 | delinquency rising | expense trap |
| 2020-06 | 3 |  | losing money, assets shrinking, delinquency rising |
| 2020-09 | 6 | net worth falling, expense trap, margin squeeze |  |
| 2020-12 | 5 |  | expense trap |
| 2021-03 | 9 | capital below 7%, losing money, expense trap |  |

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

- 2021-06-30 [Baton Rouge credit union merging with competitor - theadvocate.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQQjFsQVJqYVlaRWZHNmhkTEJGcmZxLVdNYzdXajBxOXo5R3pEa1o3OWhmLWtqekUzd0pySXluMW1yQm54RkZiZF9OMkFtclVXXzlzNTRwWEt4dnRvT0QxU0FvVkkxSUllNmtjb0ZnemlfekpPbUhXTk05NVh2allVVTliUlNIUURNbjFvbkhCT1J6aDJGbDFKYWVJVWZIWmJDRzFkX0hGeDJzMmE5OWJVTDduSVNjN2RGWS14ZTFPRENWeWFkaDZkSU41TGpIci1wYzlrRUttUjdfcWxLclVISlNZN0lyajQ?oc=5) · theadvocate.com
- 2022-06-17 [Billy Boutwell Obituary (2005) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOTkt0VS1pcUhacXUzbHMzOWUzVFNmdjFCdDV0NUtlLS15S1I1dTdsZzVFTFR3R1diX01peTNpaFhhdDViSklYakl3eDk2cVhKNW9hYi15QVdxNkZWWEdxLUp1MngwanA5dTdhQkttcnBqc1QwWVd6MXR6Ri1uVWExazB3b0VsMHBDS0xFYnN2Z1FPUkE?oc=5) · legacy.com
- 2025-01-21 ['Jhukega nahi s**la': 'Saif is Safe' chants the internet as Saif Ali Khan returns home after stabbing ordeal | Hindustan Times - Hindustan Times](https://news.google.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?oc=5) · Hindustan Times
- 2005-09-20 [Sidney Womack Obituary (2005) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNN0I1SmJYdEpRbGtBdG1rVEl0Sy1CY2FqVHF1eEFPeFlVSC1jMDUtODN6MkxPX2Z5VktmU2F5VkV2NGZ6Smx1ZDFxWksybUdMRTVBdnhNenVEejB5bm5QTXJKRmNYWE5JQXZLQXJnZFVuN3ZUYVhHVElMRzZDUG52QTBZbEpIUjRaSkVXclpPc2V4QQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6528 (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/0.json (key "6528", 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=6528
- 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