# EAST BATON ROUGE TEACHERS
Baton Rouge, LA · NCUA charter 7253 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/east-baton-rouge-teachers-7253

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated, minority depository institution. 1,603 members of 3,000 potential (53.4% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 31.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.7M |
| Members | 1,603 (1.8% YoY) |
| Full-time staff | 2 |
| Net worth | $439,838 |
| Net worth ratio | 9.3% (p12 of band) |
| ROA (annualized) | -0.70% (p13 of band) |
| Total delinquency | 7.22% (p96 of band) |
| Net charge-offs (annualized) | 3.68% (p96 of band) |
| Loans / shares | 58% (p51 of band) |
| Cash / assets | 46.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.24% (p96 of band) |
| Operating expense / assets | 9.63% (p97 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 | 8.86% (p98 of band) |
| Vehicle NCO | 3.31% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 12% |
| Average share balance | $1,882 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $5,059 |
| Loans granted, annualized | $831,560 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, delinquency 2x band |  |
| 2016-06 | 3 | losing money, charge-offs p90 | delinquency 2x band |
| 2016-09 | 4 | delinquency 2x band, auto monoline | charge-offs p90 |
| 2016-12 | 2 |  | losing money, auto monoline |
| 2017-03 | 5 | margin squeeze, members leaving, auto monoline |  |
| 2017-06 | 5 | delinquency rising | auto monoline |
| 2017-09 | 5 | assets shrinking | margin squeeze |
| 2017-12 | 6 | charge-offs p90 |  |
| 2018-03 | 6 | net worth falling, losing money, auto monoline | members leaving, delinquency rising, charge-offs p90 |
| 2018-06 | 3 |  | assets shrinking, net worth falling, auto monoline |
| 2018-09 | 2 |  | losing money |
| 2018-12 | 3 | margin squeeze |  |
| 2019-03 | 5 | net worth falling, loan book shrinking |  |
| 2019-06 | 3 |  | net worth falling, loan book shrinking |
| 2019-09 | 4 | auto monoline |  |
| 2019-12 | 2 |  | margin squeeze, auto monoline |
| 2020-03 | 4 | losing money, delinquency rising |  |
| 2020-06 | 8 | net worth falling, margin squeeze, charge-offs p90, loan book shrinking |  |
| 2020-09 | 8 | auto monoline | delinquency rising |
| 2020-12 | 7 |  | auto monoline |
| 2021-03 | 6 | auto monoline | charge-offs p90, loan book shrinking |
| 2021-06 | 7 | charge-offs p90 |  |
| 2021-09 | 7 |  |  |
| 2021-12 | 8 | members leaving |  |
| 2022-03 | 7 | thin capital | margin squeeze, charge-offs p90 |
| 2022-06 | 7 |  |  |
| 2022-09 | 7 |  |  |
| 2022-12 | 6 |  | members leaving |
| 2023-03 | 4 |  | losing money, net worth falling |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | assets shrinking | thin capital |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | delinquency 2x band |
| 2024-09 | 4 | delinquency 2x band |  |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 5 | thin capital, delinquency rising |  |
| 2025-06 | 4 |  | thin capital |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 7 | losing money, charge-offs p90, assets shrinking |  |

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

- 2004-09-22 [David Lovely Obituary (2004) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPamZDY1d6OWQxQ1JNY2JjVGJ1ay15Z2swY05PdVpvQmlrdFBqLXlQUUNEMkh4YWtEbi1HdnpsZlVLaF9NdlBRbzNSNmFvU1BrSENHVzZiLUxCaU9RRmRLV2N5c1JyeHhSZ0tBdWQxZ2F0S0ZHMHZldUtoRTJ2VTFKb2hfNFdBcVpmTUxxZlZud18?oc=5) · legacy.com
- 2021-10-17 [Johnnie Merrick Obituary (2009) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWlRIRExGRGFFeV8wTE9vdUVpSzBQYVpvc09HeG10ZFR3SHM3eERRT2NLRUlaM1BBMHF0V3Rfd3dyamZDb0dDQWJvbzY4TXIxYmxEbzJnZjZzN2tfcEVjeFVkdlRWRVNiZjAzX1lVWlB5c0MxUmRlb3JscVJ4c3pxUTJtOUZNbk4zWFFRY1pnaGo2eWpL?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7253 (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/21.json (key "7253", 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=7253
- 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