# CAMPUS
Baton Rouge, LA · NCUA charter 79 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/campus-79

Who the members are: federal charter, multiple common bond, organized 1934, low-income designated. 44,062 members of 155,505 potential (28.3% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $938.3M |
| Members | 44,062 (2.0% YoY) |
| Full-time staff | 180 |
| Net worth | $95.6M |
| Net worth ratio | 10.2% (p47 of band) |
| ROA (annualized) | 0.73% (p58 of band) |
| Total delinquency | 0.34% (p26 of band) |
| Net charge-offs (annualized) | 0.22% (p24 of band) |
| Loans / shares | 79% (p42 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.33% (p41 of band) |
| Operating expense / assets | 3.56% (p50 of band) |
| Vehicles % of loans | 45% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 95% |
| Third-party paper % of net worth | 301% (p90 of band) |
| Vehicle delinquency | 0.23% (p16 of band) |
| Vehicle NCO | 0.86% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 30% |
| Average share balance | $10,803 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $26,697 |
| Loans granted, annualized | $229.1M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | thin capital |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 4 | members leaving |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | thin capital, net worth falling |  |
| 2019-06 | 1 |  | thin capital, net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 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
- 2026-07-22 [From campus expansions to castle-inspired redevelopment near Lititz, 16 Lancaster County projects score $40M in state funding - LancasterOnline](https://news.google.com/rss/articles/CBMisgJBVV95cUxNaGEySnEzZ2F2SXVlTmFET0k0clVGamNfOF82aTlCUVYtOENXSUg2Njhodkl5NDFfTngwbEVVSGxDVnBJV3hLMmtMTk5TeEplc1p2bWJLQ19xeVdKTTZCS2JRaWxER0dFc3l3S2hrYjh3cHRpWnlsc0VQVWt5TllrYkVPNjRrTndyT2s3NnRmaTF0ZUFjcm42Zy1SdGZ1VWlKd3A0TDRNR2Y5RXB3VVc3bEVKTkJVUkRIR0g2M1hUdzNBcUJ5dFJiRl9aSUJIc3ZkTGxrN1U1R3JSU1J0NmhhaVhJNXdsYkM5QVY5SHZPVTJqS2tLSjUtekFWMXRTWFB2YUJUQVVzSno0ZkFmT010MVNXcTNPZHVmR1ZWN1dWTmFEQW1CTk4tZ2V3U2dHM2JZWWc?oc=5) · LancasterOnline
- 2025-04-08 [Campus Federal Credit Union: Our mission is all about you - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdjZnSkdEUmJOcVZWVzBrbTJvWUFacmduaFFidnZtWlUtMHpSc04tUXY5OTZxdHdWa2poZzVfSmpfR3VOdEdqNm83M3BNYmpVWWFfR2JzZVRVdUE0YjBoQjJfUUlLT05UUVNIcDNIZG1pWC1PT2Rrc0RxVFVWLXlpbWZRWC1ZZTFHUmhJT0dYU1JvcVlIUm9zX3VUa0dYZUFjX1NPNHZUSXVGckw3dEZmeNIBuAFBVV95cUxQN2pOSjB4RF93UGhKb0dZc1c1ZkNyc3VWX2RvNFM0cHc1dzJ0Y0U4TVJUZE5LWlQ4dHlwT1c1bG1BdVlvNTY5cWx4YnFvM3JhaGVYREh4VjBOaVRSUVJBYVBwRndHOVVnb2ZjTE5JMnhWWUtwTXh2ZG5tR010dnpHQUhYdi02bTk5YTJWaG5ESnJMeUFmN0tPM2pFbHEzaGpLSmlFdG5UWXNTT0hfQ2hzNDdQQnFQaTZT?oc=5) · Baton Rouge Business Report
- 2025-09-30 [Armored truck employee robbed at gunpoint in Baton Rouge - WAFB](https://news.google.com/rss/articles/CBMif0FVX3lxTFA4Ull0ekt1cXVGc0NLRjdaWUU2SGRULW93SnlmOHJXZG1mZ2hWUEdtdzVOZ0VlVFVvcjhYUW50VUhxME1iTmJkU3VlcHY0YkZjZ2pIQ0x2WUQycENEbW45VmZVMVJnSjFKSG1Ya3hLV1NRUDI3UEdDM3RSS2w0eEE?oc=5) · WAFB
- 2025-09-24 [Ascension Public Schools barred from opening credit union at high school, AG's new opinion says - WBRZ](https://news.google.com/rss/articles/CBMivgFBVV95cUxNU2g4cXRmZ2txUzRfUklxNFRFaWtRcTR6eWJhQ1l4dGVYaUZfWmFxME9mV1VRek01TEkxcHluNWZ4WTJxVlpHalU4U0sweFRvUXRaLWU4azZzbmZZUkdqQkdGTHZyRVBpNGREblgzYnZxSll2cHpzRi11NUZIRndseUhMUGxBX19ZWGVaeldXQ1FOd1kweGxtMDBZZ3NTbUEzRGtyZkEtbHRPc3FDN201RDVscGhQSkRoWndhanVR?oc=5) · WBRZ
- 2026-08-21 [This LSU-founded credit union is nearing $1 billion in assets. They’re not done growing. - theadvocate.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxOLUlmY1NBN0hCdjZ3WTVReUl6SFI2RDZ3b18zaU9VbUYxVFJtVktHT3pUY0ZGYlpGZk1ETUd4ZGpfQWNYeG56WkVNNGxOVm1aZ3dkMU4wSWpSSFlVMU9JaHRNaXNDaHdhV1ZlWnU5cV9YODkwVXNUVFZIeUFyX2VBNHNSbHI1U2R4MmhSNXBFY0s0dnVMWVhIcXA2elc5WGpyTWVoTkZXZUpZNWhGVGpUVGk5R1BVWVc0WmlmdENyRDNHWjBGbnFQWmtWamFDd1FIWFNJU09TSHVHM0VjT1dJbWtpSnpqTTU1S1ZmLWpGeGVEUXVpaEYxb01NU0lHTDZTWTBQVnZEbm5rMGRfRVE?oc=5) · theadvocate.com
- 2021-03-03 [UW-Madison extends campus banking relationship with UW Credit Union - UW–Madison News](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdjlFTXBRYVEwT3l0Y3lzWElfNTk2dWFTaGdqYUlXRHFnUWJEWDU2ZmRySVpfMUVyYXNodHNPRmZ2clcxYmJya3VUQW54NE54S3JYUjV0M0FMbXF1WmJuZ29LeDBWenFoSTR5TjRhdDZlUDRoYmMtZW9DMldaeFpfYkpMQk01cGR5VGdOckd4VFIxZ2ZR?oc=5) · UW–Madison News
- 2025-09-30 [EBRSO: Deputies investigating armed robbery of Loomis driver at Siegen Lane credit union - Unfiltered with Kiran](https://news.google.com/rss/articles/CBMivAFBVV95cUxNZVU2WkYyc0x0a1dLTHVuMERFUENtbXl4WVNSY2pPZGt2SzlzZVgzZGR4d0lYMm53RXo1WFp5cUV3ZFpjaDlYZHNLMEZhZHdGa1J3aTRTTVItTVpZYWViQUdEcVVVdE1CMjNXOEVBWk9KZ2pZR2ZjeUJCRE9HdDU5bUkzb21uVXdLRk9kcUN1bExnMTF6clBIeGcxZGl1NW5WazRlNFBYQkNQcGhkVVc3bnpHazhXd2luWnRxVQ?oc=5) · Unfiltered with Kiran

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=79 (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/15.json (key "79", 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=79
- 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