# LOUISIANA CATHOLIC
Shreveport, LA · NCUA charter 7331 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/louisiana-catholic-7331

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 2,303 members of 42,000 potential (5.5% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. 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 | $26.0M |
| Members | 2,303 (2.8% YoY) |
| Full-time staff | 7 |
| Net worth | $3.3M |
| Net worth ratio | 12.5% (p34 of band) |
| ROA (annualized) | 0.25% (p35 of band) |
| Total delinquency | 0.34% (p38 of band) |
| Net charge-offs (annualized) | 0.07% (p56 of band) |
| Loans / shares | 60% (p54 of band) |
| Cash / assets | 40.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p34 of band) |
| Operating expense / assets | 4.17% (p63 of band) |
| Vehicles % of loans | 51% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.53% (p52 of band) |
| Vehicle NCO | 0.14% (p73 of band) |
| Repossessed % of vehicle book | 0.16% (p93 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 21% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 33% |
| Average share balance | $5,985 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $467,454 |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $9,918 |
| Loans granted, annualized | $4.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $467,454 outstanding purchased (14.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -4.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | delinquency 2x band, repo signal | losing money |
| 2016-12 | 3 | losing money |  |
| 2017-03 | 2 | members leaving | delinquency 2x band, losing money |
| 2017-06 | 4 | net worth falling, losing money, delinquency 2x band, delinquency rising | repo signal, members leaving |
| 2017-09 | 3 | repo signal | net worth falling, delinquency rising |
| 2017-12 | 1 |  | delinquency 2x band, repo signal |
| 2018-03 | 2 | assets shrinking |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | net worth falling | assets shrinking |
| 2019-09 | 2 | assets shrinking | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | delinquency rising | assets shrinking |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 1 |  | losing money |
| 2020-12 | 3 | losing money, margin squeeze |  |
| 2021-03 | 4 | thin capital |  |
| 2021-06 | 3 |  | losing money |
| 2021-09 | 1 |  | net worth falling, thin capital |
| 2021-12 | 2 | delinquency 2x band, delinquency rising | margin squeeze |
| 2022-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-06 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2022-09 | 3 | members leaving | delinquency 2x band |
| 2022-12 | 1 |  | delinquency rising, assets shrinking |
| 2023-03 | 1 | net worth falling | members leaving |
| 2023-06 | 0 |  | net worth falling |
| 2023-09 | 1 | members leaving |  |
| 2023-12 | 0 |  | members leaving |
| 2024-03 | 3 | losing money, delinquency rising, members leaving |  |
| 2024-06 | 1 |  | losing money, delinquency rising |
| 2024-09 | 2 | delinquency rising, repo signal | members leaving |
| 2024-12 | 3 | members leaving |  |
| 2025-03 | 1 | assets shrinking | delinquency rising, repo signal, members leaving |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2020-01-11 [Raymond Koch Obituary January 11, 2020 - rose-neath.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE43dEs1ME9wb19xYl9vUHBIR213V240dFFpcFpuYy1oWHFGRkZCUy1JOHUwTlpBYVM1aENxUVFsQVFhVWNLLVJQSTdSdUNNSVpBQU5DSzdUcTFxMXFIT1p3?oc=5) · rose-neath.com
- 2013-05-22 [Beatrice Rosenblath Obituary (2013) - Shreveport, LA - Shreveport Times - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdXhYZ2NGVzVsX0JkbXVPQnZRZnIyRk9ERWtfWjBYTDJfeFVxZXFEeF9tLUV1ZG9LdmgtUHJQWDMybXlvN3lqTFBmeVFsZThfaUVkOEtLeE9PSHRHNHc5OGFrS0otMG9hU00zcE10NHBZZE1IYlFKeEkyMWgtRURDN3d0NHFJdjhDWDM5WDFMWGNpUFYwamVubkdEYnVYN00?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7331 (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/35.json (key "7331", 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=7331
- 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