# UNION
Farmerville, LA · NCUA charter 7301 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/union-7301

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated, minority depository institution. 568 members of 700 potential (81.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 11.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $596,444 |
| Members | 568 (-0.2% YoY) |
| Full-time staff | 1 |
| Net worth | $135,808 |
| Net worth ratio | 22.8% (p82 of band) |
| ROA (annualized) | -3.98% (p3 of band) |
| Total delinquency | 0.51% (p44 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 26% (p10 of band) |
| Cash / assets | 40.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.58% (p10 of band) |
| Operating expense / assets | 6.63% (p92 of band) |
| Vehicles % of loans | 2% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 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 | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,587 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 11% |
| Loans granted per 100 members, annualized | 46% |
| Average loan balance | $1,809 |
| Loans granted, annualized | $470,248 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, charge-offs p90 |  |
| 2016-06 | 4 | delinquency 2x band |  |
| 2016-09 | 1 |  | expense trap, charge-offs p90, delinquency 2x band |
| 2016-12 | 1 | expense trap | losing money |
| 2017-03 | 7 | net worth falling, losing money, margin squeeze, delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2017-06 | 6 |  | loan book shrinking |
| 2017-09 | 6 | assets shrinking | net worth falling |
| 2017-12 | 5 |  | margin squeeze |
| 2018-03 | 5 |  |  |
| 2018-06 | 4 |  | delinquency rising |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | losing money, assets shrinking |
| 2019-03 | 3 | losing money, assets shrinking | delinquency 2x band |
| 2019-06 | 4 | loan book shrinking |  |
| 2019-09 | 5 | delinquency 2x band |  |
| 2019-12 | 6 | delinquency rising |  |
| 2020-03 | 7 | margin squeeze |  |
| 2020-06 | 5 |  | delinquency 2x band, delinquency rising |
| 2020-09 | 5 | net worth falling | assets shrinking |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | loan book shrinking |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 | members leaving | net worth falling |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 | delinquency rising | margin squeeze |
| 2022-09 | 4 | assets shrinking | delinquency rising |
| 2022-12 | 6 | net worth falling, delinquency 2x band, delinquency rising | members leaving |
| 2023-03 | 5 |  | expense trap |
| 2023-06 | 6 | loan book shrinking |  |
| 2023-09 | 6 | members leaving | net worth falling |
| 2023-12 | 5 |  | delinquency rising |
| 2024-03 | 5 | expense trap | delinquency 2x band |
| 2024-06 | 6 | delinquency 2x band |  |
| 2024-09 | 3 |  | loan book shrinking, members leaving, delinquency 2x band |
| 2024-12 | 5 | net worth falling, delinquency 2x band |  |
| 2025-03 | 5 | loan book shrinking | delinquency 2x band |
| 2025-06 | 5 |  |  |
| 2025-09 | 3 |  | assets shrinking, loan book shrinking |
| 2025-12 | 3 | assets shrinking | net worth falling |
| 2026-03 | 3 | delinquency rising | assets shrinking |

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

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-08-12 [Grant Open to L.A. Teachers Through California Credit Union - lamag.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQUJjTC1kMUpZa0ZSblo0VTFfb0t5YXFXbUR1aThWUWI2TTBWc3FZZGF5MG9acDJxcUEyQmlNV1I0RDBzUHlZcE5BRnFKUjBBdHg2Y0RvZFRRQ0d1dU1WMTZ5dUR4dGdKcUo1STRtcEVPMEd4UUNVZ0w0aFotdGNaU0d1cVF1VnVUbGJDeHJFUUI?oc=5) · lamag.com
- 2026-06-22 [Rams to host Training Camp presented by CommunityAmerica Credit Union at LMU from July 27 – August 6 - Rams](https://news.google.com/rss/articles/CBMijwFBVV95cUxNekM2ZHN4RlNfSEZnbm83SldyU3dLWXE3aml3cWM5emhzWDNxcWtMeHIzQmNDcGN3TGJXRVFJRXdOYjN0VVo4TGhhYlIzcDhIWjR2aGQ1ekxPdlpxMzd6cHpMZF9yZjh1bHBYaW5IZnk3SlpvVFRWTy1qdTdfSzRmN3B2QzFfV2l4RElDZnlJRQ?oc=5) · Rams
- 2026-07-03 [JACom Credit Union Marks 75th Anniversary - Rafu Shimpo](https://news.google.com/rss/articles/CBMidkFVX3lxTE5wOHl2bUdHbWR4TGRJMzNZYmNVUGFzN2pSbjhVamRCSG9EZVlJSnNNbC1MT2NHRk9yMlNJMTBha0p5OFRoSnNCMHJHOUNjSC1UZktCSVJBOUYyeDhrb3l4U2dnUnJnUC0tdGZBZ3R2c19Nb2tUbmc?oc=5) · Rafu Shimpo
- 2026-08-20 [Credit Union ONE Rebuilds in Southwest Detroit - EL CENTRAL Hispanic News](https://news.google.com/rss/articles/CBMif0FVX3lxTE9JOUNLRjhOako0WVdBeFVWZ0R2ZnhpdW8tbEpVWkdmcGFuYUNJNnVya3RBLWRwZnF1a1BnOHIwdEVsNXktMEs0RmlMcF9vNDBaaVdBa0ZEdFZISWlqeHltczBjS2NESFBrYmZJRlktTjJCdFphY29GRlFwMXhTemc?oc=5) · EL CENTRAL Hispanic News
- 2026-07-28 [OnPath Credit Union selects Ruben Bonales as chief people officer - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNTWhReEtKR1FHUmwxQVRpT2h1TXBTSVQ2YW9jUmI5a3V1MVR1OG14SHlUR09NVXZhUUxvQlpFeFdiLUpUcGxJU2ZYckgtTVg5YjlCMF9aWHRoU1cxcXRfb2RaZUxESmhXZHBlTGNHTGZCRnFkMnpKRkNHcXk2UEhBRV9kMTNnS3h5ZXVGdDZXWnNudG84WUVFelhhQVJycjRRczdkZE04d3VYZw?oc=5) · CUInsight
- 2026-07-17 [American First Credit Union employees deposit interest, time into OC Food Bank - Los Angeles Times](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPNDdETVRvUmZzVlJsVGJkcUpidVk4MF82UFJGQkd4bUR6YXhQSmlfTTRpZTlzOEU2VmxseXdab2J4YWJmRTJKaFhQRTExaHhBMTVnMmthMlhNZnkwRFVUTEhvRGJkQzc0cGhzZ0ZYUHBNLUtLaV9BUW9hNWo2Sm9wLUNTbm53Qm5nN3RyMlNIdzVRX2RlakVSclZiaEFTdTBsMGtaYkdRbzFOZDNkYlkyeFNXSDR4aFVLRVpfWnJwUFQ5bFdCbnBINnp2NWRQM0wxZnc?oc=5) · Los Angeles Times
- 2026-04-08 [Federal regulators bar former La Marque credit union employee from banking industry - galvnews.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNa2xtQlc1SzZJaWtoUnBmRVozdmV0Y0RIckl6QzdCUWcwaEFWMlNnaVBpRkV1VGZadnhZU3d3SXRRZ3hoUDRCX2Z1TlA2LWM1ajdrYmNZY0FITFZkQmFkTVVIUW11S096LUsyWUVTUjRJamJzcWk1dUFsMVBvd0NJeG9mVFhQSjZENlBxOWl0WmttbC13ZU9iNU1LLV9SUlJOMmV5Z2pCY18xOElvenRLN3E1VE1najM3b3RTRGx0UFNBV1p1R0c1RFBpYnZITi1tdF81eDUzb2ZIdHJJSmVTLWJhcFRHcDBVSXM2MkVLYjVIRUVZSWc?oc=5) · galvnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7301 (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/5.json (key "7301", 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=7301
- 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