# STATE AGENCIES
SHREVEPORT, LA · NCUA charter 8006 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/state-agencies-8006

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 666 members of 2,500 potential (26.6% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.6M |
| Members | 666 (-3.2% YoY) |
| Full-time staff | 2 |
| Net worth | $3.2M |
| Net worth ratio | 36.9% (p96 of band) |
| ROA (annualized) | 0.56% (p49 of band) |
| Total delinquency | 2.63% (p84 of band) |
| Net charge-offs (annualized) | 1.05% (p86 of band) |
| Loans / shares | 72% (p70 of band) |
| Cash / assets | 53.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.54% (p75 of band) |
| Operating expense / assets | 3.81% (p55 of band) |
| Vehicles % of loans | 65% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.80% (p91 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 27% |
| Average share balance | $5,841 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $11,299 |
| Loans granted, annualized | $319,488 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 | delinquency 2x band | net worth falling |
| 2017-03 | 1 | delinquency rising | delinquency 2x band |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | members leaving |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 3 | delinquency rising | net worth falling |
| 2021-09 | 2 | auto monoline | members leaving, margin squeeze |
| 2021-12 | 1 |  | auto monoline |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | auto monoline |  |
| 2022-12 | 2 | members leaving |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 | assets shrinking | delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | members leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | delinquency 2x band, loan book shrinking |  |
| 2024-12 | 4 |  | delinquency 2x band |
| 2025-03 | 7 | net worth falling, delinquency 2x band, members leaving |  |
| 2025-06 | 5 | charge-offs p90 | assets shrinking, loan book shrinking, members leaving |
| 2025-09 | 2 |  | delinquency rising, net worth falling, charge-offs p90 |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 4 | assets shrinking |  |

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

- 2026-04-24 [Sheriff Guillory was honored to give the keynote speech at the Louisiana Fraud and Forgery Investigators conference President’s Dinner last night. This conference brings together private sector banking and law enforcement personnel from all over the region i - facebook.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPaTV3UEVlUkpCSWdzUXBFbHZCUEVvM3Y5THlsZ1hxU2stSTk3TDF4NVJzUW4tRnBEWGJlT2hGQXZ3YnZKNVg3RkJ6a01uakdwRmp0M25rakFDMnpmNHV2dHd4cTNmWGlONm5XTVhGVkMyWEVDelU0T2thUGdhNkVDMnEwQmxYeWNkR0tjc0RmU2lmak51cl9sTFNUbkFMeU11TDhRU0JmTHNBdXJUdnNpX0Q1RTNtNWVtcDdyUl95bG1PekxrdUF4emZMLUNrMzZCaHM3cndqUUdOeDV4Q19B?oc=5) · facebook.com
- 2025-12-08 [California officials to hold series of meetings on Tijuana River sewage crisis - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMixgFBVV95cUxQaUFvWDNIMTdjZTZiOHB6bW5FbWdYTGVvNzJWVDA2RW1jNnA1MHl2cTFlbS0zQXNHUm1iTWk3YkpiRDZoWGFhWlFnNkdRV3Q3MVhOcGVrM3BjR2l0emljRkt1OEpWS200MXVWQkRvb000b0pxRXp5ZFh2akJhWDZyZDBjMnoxYlYyU05zbFN0UkVNVkhIbUxZaTFrSjl1V1RXM1hIYUpTeVViRW9LcHhoUkplUXlaRnVDUk4xaGkyN0tDSThNNFE?oc=5) · San Diego Union-Tribune
- 2026-08-12 [Crews confirmed as member of NCUA board - Consumer Finance Monitor](https://news.google.com/rss/articles/CBMilAFBVV95cUxOQWtRS0d5RVdMblJaa1FPdVVvOER6NDVzUDdjV0c3M016d2duWjZIb294djUyTDR3ZE5yRjk2WVZJWkNLN3h1RDNKTHVITnhrelNOd01TUXpnZ1YwN1ozY2ZJVXB5dmhpWWxROXl6SDV1UEE0bTAzOC1ESEVINy1SOFJTMWgwc09McVc5MzRKbFRFbDNB?oc=5) · Consumer Finance Monitor
- 2025-03-02 [Personnel moves at Pelican State Credit Union, Rampart/Wurth - The Advocate](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQc2pWcE5qUjVJaXo3SVBLQVVvWnFaNUtEU29uMENYVXQ0YkUwSmZfV1RaeEN1NmxMY3dIMjZ2SG52OE5ael9CWkdXR2JuQXVjd09wTFUwdlp2M1g2Z1dhYnFkU3VqbWtqV0F0MktHQnMzT3pnWk5tTzhzNW9kM3pLdzNrUFdzMmxtUjlXTzk3TFBQam9XLWdrSy1HbEppN005WnViMVBtU2l2a0FOVVA2Nl9NaVpBTmt6RFEtYUEtYnRHVjdyeW1MUUxTcWlOTkNRaVZIaGsyR0hubmZna0VCXzhuZlF5V1lIX0p3b2owTlpCcW5r?oc=5) · The Advocate
- 2021-02-15 [Washington auditor’s office warned agencies of data-breach risks. Then it got hacked - The Seattle Times](https://news.google.com/rss/articles/CBMizwFBVV95cUxNWWZkdFZjWWpCYXRvMzFsMVpGdFhiOHB4Z2NTb3p6MTVNYUVhdHdPVGlMQlYyV3cyNV9PMk9nNThvUzBudXlOT1JuU1lWTXlnUm1MZFVFWURNbW9qOWFMNUdfSVF0TkdVTDlNaFdWZ3BfQ3VkNnkyTzVDYms3NllTQWdweEV0MjM4ekFXYU51VU5OcXBjajM3Wk9XM3E0V19KamhhdGVMcFZoTlM4UDFVZGRjT29hX2RLbVRxQjF3RGttT1FxN0d4WTUxa2tCc0E?oc=5) · The Seattle Times
- 2022-08-31 [Chief Seth Smith treated his staff today at Headquarters to a Labor Day luncheon to show his appreciation and celebrate their contributions to the Department and the State. Thank you for dedication and commitment to Louisiana and it's residents! - facebook.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOZ0VVOWwtaEZjMWdUeEgyd0Q4Wl9VMldyb01BcGtDNnM1cG5QTXZfbW9BQlZsaEVydjVSVWM5X3FnN0JiS1NkQVJVcEZKMkV5bGFiTDV3Ri13anA2LVRSalNZUGNGQzV0cFpGT0E3aEpxWGt4SXBoTURCVU8taUEwRmdYdUNCZVBhOWVhWDNoMUpKNE0ySzdWNWFReEtfYS00eXBJZlBUeGNhMTU3OWgzYXJ0NjRkc2ZiMFlQM2ZJUEdVbkVMOGViMUZHOUdNdEptMFRIeFN1MWIzTEc5MmJGdEJ3?oc=5) · facebook.com
- 2025-03-12 [Women in Leadership 2025: Ann Patterson - Comstock's magazine](https://news.google.com/rss/articles/CBMie0FVX3lxTFBrOU45a2hQSGVDbVA4QWNHV1E4UXpkeGxxa0wyU1VMNENfSWJtaGI3a1FiOC1faXljNE03TmtwMlU2b2l6UldqREdXd1MzemlaYTRYZm9UbE5vN1VtWkRsc3NxZEF1N3ZhYU14dmxZaDFGT09USlJSTHdyYw?oc=5) · Comstock's magazine
- 2025-04-01 [Bill boosting mental health resources for those on probation advances - Florida Politics](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUWhPUHloNmd5MUtjcUxtQVhsb1pKdFd2VG9hWUxva3RNOExLMndKVEVVbW5hUUtUSkJ2d0tkVFo1WnplUTNFTDYzblV5QXRlemFmUlZ5aTk3bjdXSlY0ajR1dC1GVDllQ0o0WWRMUUV5WXdycHFJM284TUxIYWZodTBGZWJlTjlTdWYycnFTU0J3ZGV6bHFDenE3bUNlMlg1ckVXeEVTNHVTN080UFlaSS1BN0k?oc=5) · Florida Politics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8006 (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/6.json (key "8006", 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=8006
- 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