# WILLIS KNIGHTON
SHREVEPORT, LA · NCUA charter 8921 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/willis-knighton-8921

Who the members are: federal charter, service (single sponsor), organized 1953, low-income designated. 8,155 members of 15,000 potential (54.4% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. 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 | $47.5M |
| Members | 8,155 (0.7% YoY) |
| Full-time staff | 13 |
| Net worth | $8.5M |
| Net worth ratio | 17.9% (p65 of band) |
| ROA (annualized) | 1.17% (p76 of band) |
| Total delinquency | 0.61% (p48 of band) |
| Net charge-offs (annualized) | 0.23% (p66 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 36.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p48 of band) |
| Operating expense / assets | 3.55% (p47 of band) |
| Vehicles % of loans | 73% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.77% (p59 of band) |
| Vehicle NCO | 0.14% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 16% |
| Average share balance | $2,906 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $8,568 |
| Loans granted, annualized | $7.2M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | loans>95% of shares |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | losing money |  |
| 2018-09 | 3 | delinquency rising | losing money |
| 2018-12 | 2 |  | loans>95% of shares |
| 2019-03 | 2 | net worth falling | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 5 | net worth falling, losing money, margin squeeze, delinquency rising |  |
| 2020-06 | 3 |  | losing money, delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 2 | members leaving |  |
| 2021-06 | 2 | delinquency rising | members leaving |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | delinquency rising, assets shrinking |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | delinquency rising | assets shrinking |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-04-08 [Bossier Schools Honors Student Creativity at 2026 I3 Red Carpet Awards - Bossier Press-Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxQbkl4dnNMR1FhUmcxdldJN2xMS1MxVmxTQkhGM2pfWEhtNUFCeUFzSkNpM05qdDRrS1Y1LVZaLWo5Q09yNHkwcTZmdmZPeV9TVTh6azV4NDVpNHFteHRmOFZwc0RNd3hOWGJxbEtzZFIyVEV6dklLaUdaNlhubnJJSFRjSGlqcHItX3Q1Q3Fsc3JyVkVtbEljWkJNVGI?oc=5) · Bossier Press-Tribune
- 2023-03-04 [Home for families of critically ill children to open in Shreveport - KTALnews.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPQm1qeUkyQzNiMzdsTl9kVWRncGpSNVAycVBNVlVVdXdJVGNkczFBdTFVV1NyWXBPcGVIQkNscHRNV3hhVXEySGRxYzZ4dnNGVnJlS0lRWm9MRThZOXFIRFpSMDJJQTVrUFJDenZybnJZZWRiVFdJTzFsMDk1YTl4QlhYdjFId3F0NVduS2lZckhacjkxWFVYSE1vVnl0Qkdi0gGmAUFVX3lxTE16dU9wOE9PZVZaWHFtQnA5YXZEcmtDaEE3am5Hdi12bVc3Y1VzQXBxRGhtNjUwS04wekcxbnIwU08wTVd0blJLSTJVZ2RZcTBBQTZ5N3hHY0I2UDE2c0FRY0RZc2JiN29NUk1aUnVMWDZ3T1NYbnhLUVB6WWJPa3E2UXNyZjhyREZWS2RCdTg1bjRKblRjSjRfbVN0cHl6b3VIcExBWVE?oc=5) · KTALnews.com
- 2024-02-23 [Two-day job being held at Bossier City Civic Center - KSLA](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQ21xRGFrX0xKNm4zUFdNOHVUM1JGajZXR1JvclpBZGhLWURkMmVDZmRSVUVvTVpYOTF3dW9kZ0d1X3BjUEptTV90T0ZITUJxeGVSZTNQMGN0NHJMcU80dTRVYk9CVkR5bEdKbXp1SFFEdkJGcVdRWlljeXlpMDRvdjQ4RjNDUTNMTzhn?oc=5) · KSLA
- 2026-03-06 [Betty Francis Fogger Obituary (2026) - Bossier, LA - Rose-Neath Funeral Home - Bossier City Chapel - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPLUN3Y0I1WGl4SlBpRW5teEhldUNOODB6OW45MkhVWklZdkdBT09OSXNzVlZmc3d2MDU2X1UtWTM0QjVCM2dQcTlITzZwLTR5SzRFMXZ3VWVxMkpia1FaZTBzWldoUXhVTTVjRmpGRE1HbmcyQmJ6bXhJeGdVbEluRQ?oc=5) · legacy.com
- 2023-05-11 [Thomas "Tom" Nelson Carleton Obituary - Shreveport Times](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5STjNlbXNFOUpvSnBJWC1YdWdmMUpwRnFqSUwxUFRzMHZIcFlSaDdnaUdEVnFBTFBTX0hrWHRxMnZ3cGhIMWxteXdZR0g2QUZpeE5xNGZNZE8wb2hJTkxRMHp3?oc=5) · Shreveport Times
- 2021-11-18 [Shirley Pruett Obituary - Haughton, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQd0oxcVlMVHVFbVo4WndHNFNGOWpTN3lVVFFiaFUwUlFkdllJZVVWQUFteVBWRkItNXBDM2FUX2pJVkhmRFhQSVh6Ym51WlBJRkZ2aDI0Rk9IUUJQNi1mTlBRdldPYmxxWEVtNVlMeGdadTE0SHMxM3owbWhVcDhQN3FVVlI?oc=5) · Dignity Memorial
- 2026-02-05 [Bossier Chamber Hosts U.S. Chamber of Commerce Vice President for Public Policy Discussion - Bossier Press-Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxONGEwckpDQTE2bXliSTNTYm00MHg2QjFCWEJ2NWE5UmxpdTRwMWpEMWZqZnUza2NZQVJmQTBxZE1KZFhxbzVTc2kxbFlJQzFtZVFsaDZRY0F6ZDNjQTgwaWlhQ0ExZTh4bXMwd2hCenJNRG05dTRXazdOU1VrM2tWc0NEZWJsWFVZNnprRGlEQXNBQWs5NWtHS2NNT1I3aXgtdlFfZm92WG1jcnRuNlF5NkNUeUVEQQ?oc=5) · Bossier Press-Tribune
- 2023-07-11 [Patricia Ann "Patty" Primm Obituary (2023) - Shreveport, LA - Aulds Funeral Home - Shreveport - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxObDROUUdrZFlKZlFNYVFvd0Q3ZTVmcnNqREN3RkNNUVE5UWVfeUx4dHl2VXdObjlmbUNXeUdEZVNaWFdBXzc1V01zSXRoOGV1RFBSNmpWeERHTHE3NndDOUJTemV5SG1QdG1Gc3hkY2dOLS1IMUFRR3Mtb2tYdllRb0Roaw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8921 (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/25.json (key "8921", 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=8921
- 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