# ACADIAN
Lafayette, LA · NCUA charter 6898 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/acadian-6898

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 2,725 members of 6,600 potential (41.3% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.7M |
| Members | 2,725 (0.7% YoY) |
| Full-time staff | 5 |
| Net worth | $2.4M |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | 0.96% (p68 of band) |
| Total delinquency | 0.65% (p49 of band) |
| Net charge-offs (annualized) | 1.15% (p87 of band) |
| Loans / shares | 62% (p56 of band) |
| Cash / assets | 41.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.09% (p59 of band) |
| Operating expense / assets | 3.91% (p58 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.77% (p59 of band) |
| Vehicle NCO | 1.79% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 8% |
| Average share balance | $4,662 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,547 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-03-19 [Mary Pham, a 20 Under 40 honoree, is community relations supervisor with Acadian Ambulance - theadvocate.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNU2puSW1FcVlRUDFYOEJSZDZYMk5yMUgxOU1oeUR2eDAzVGVHYUdTMWNXRXA1YlV1Rk1pYjF3RGhCekEtOEFRYzc2NDRtZ3MzQlNJU0hpdHhzOTItaUZIaHd1SGxiODBSMVd1RkIyXzYxMFpYMlZSQzFoSWtZNHRUU21JUTV2TUdVelRRUUQ0OWVCcmhoUXphd1lEWE1kSGFfcm9Hd1BhQUVvS0JzNkJZaHhDdFFVMFZDSWpwYkRlTlo1WDROX0Ezelp4LTh1RTF4OVlmclhFRGJZVjRjU1VHSXROamRNUmtuUWFzR293?oc=5) · theadvocate.com
- 2025-09-24 [– Court News – - Teche Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9rY3BNUlR5eDBYYlA3TlM3aHFDaVZ4N0pXdnFaTXBHck5oZjl1elJDNk5HaEVoVzRTY3cweVB2LU1EUUNwZ0s5bDZyRkFQU1BmZ2VxRzZkNjFYRVl5SF84?oc=5) · Teche Today
- 2024-07-06 [Obituary information for Norris John "Shorty" Hebert - Martin & Castille Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxOaE5VU1VuMDdQRk0xNWR6YWxSRE93d1dTZ291Tl9wN09QWk9MZ0NsZXpFanR2aDlqbXgwS0hjU3JFNFBLZ1Q0OW5IZWtsMFJoWHNjaTV0Y2N0MWJKSVV1endiTV9WTW5HU3NkUGxMTWZ0YXc5RUh5SnZUVExQXzhKaA?oc=5) · Martin &amp; Castille Funeral Home
- 2025-08-28 [Analysis: Co-ops paved the way to a better future for the Acadian community in New Brunswick [video] - NB Media Co-op](https://news.google.com/rss/articles/CBMizgFBVV95cUxPNndIanRTdGttRFQ4SVN4aW0xSUplaFFxbWlBX0p3OF9xRlhXUUYtemJTM3ZfMXlXZmFiSGZpdllBOUlIc1QyTGFUWk1ZR1lHcWtwT1NPakNNQTA0eDh1eTdxaURjWUtESkxQaW9YWkdmUEFKeU45a3loU3NUTm1zTUVqb2RzTkVWSkRyTXVXbFlINkxGRkZkWlpKMktiZkR1ZjlYMjRMWVRDTW1xVXpSVE9jU3lUbkpQMGdYVVhKOFV5V1JqdUV0T3VnSExrUQ?oc=5) · NB Media Co-op
- 2020-03-01 [Gerald "Jerry" Stephen Prine Obituary Mar 1, 2020 - Mothe Funeral Homes, LLC](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1QazlBOGJJX1M1RnEzamNiQW9TUy1WNGFtVXh1VllyMEtxeEdZOGRWZWFReHQ2RDcwUHpmb1hMRDFmZWdLQVVnODdaRnNIZ2NHZ0N6N1JESlFlN1VvQUJ0SlUtUQ?oc=5) · Mothe Funeral Homes, LLC
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2015-05-05 [Meet the Junior Achievement Business Hall of Fame Honorees - The Daily Advertiser | Lafayette, Louisiana](https://news.google.com/rss/articles/CBMivgFBVV95cUxQTV9EUFUxN2hvdnNRT2YxZ0t6SGpZSTBXOVluM2dyQ1FMbVhtUndyMUtNRmZoRm44RldZZWRoQWxmMGFrSm9BWVF6cHhwemxLTXlHUTQyd0tmTGRsdXRGMkJCT1dBeEROdV9mR0VQZXNWVzBiQXlrQmMtdjBPUllSNDNuT3hDU3lsTXVGejZHYTdhRWppbTV6cDdVenFXUGl1dDA3VDl3VnRxbVBjLTF2YmRRTlNMMzB4YmxJMkZ3?oc=5) · The Daily Advertiser | Lafayette, Louisiana
- 2025-06-04 [– Court News – - Teche Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTE90WktoYjVpYkRFOUFsUC1PQkdXYmpLV3JyMzBMVXRiUUFCMkVObWZidThFWnJGRlg2XzVxdmNtX1hVOWdCblI5NnFLZFpHMDkxSVNWMTB6UUxsTXJLd2Rj?oc=5) · Teche Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6898 (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/50.json (key "6898", 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=6898
- 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