# BAYOU
BATON ROUGE, LA · NCUA charter 9931 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bayou-9931

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 7,644 members of 25,000 potential (30.6% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *auto monoline*. 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 | $83.7M |
| Members | 7,644 (-2.4% YoY) |
| Full-time staff | 20 |
| Net worth | $12.9M |
| Net worth ratio | 15.5% (p73 of band) |
| ROA (annualized) | 0.50% (p39 of band) |
| Total delinquency | 0.25% (p24 of band) |
| Net charge-offs (annualized) | 0.18% (p43 of band) |
| Loans / shares | 80% (p84 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p36 of band) |
| Operating expense / assets | 3.50% (p47 of band) |
| Vehicles % of loans | 63% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 236% (p95 of band) |
| Vehicle delinquency | 0.39% (p40 of band) |
| Vehicle NCO | 0.40% (p60 of band) |
| Repossessed % of vehicle book | 0.21% (p91 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 25% |
| Average share balance | $5,377 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $23,054 |
| Loans granted, annualized | $12.8M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 | repo signal |  |
| 2016-09 | 2 |  | repo signal |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | repo signal |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | members leaving |  |
| 2017-12 | 5 | delinquency rising, assets shrinking | repo signal |
| 2018-03 | 2 |  | members leaving, delinquency rising, assets shrinking |
| 2018-06 | 4 | net worth falling, delinquency rising |  |
| 2018-09 | 3 | members leaving | net worth falling, delinquency rising |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | assets shrinking |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | assets shrinking |
| 2020-03 | 4 | assets shrinking |  |
| 2020-06 | 2 |  | members leaving, assets shrinking |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | members leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 3 | delinquency rising | members leaving |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-30 [One Arrested, One Sought for ATM Theft in Lockport - Lafourche Parish Sheriff's Office](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSWVJbFNwNklkVDYyalRraHBWWklUSWxHT3VWc1oyM09EZEhvd1oyeXNrd0JWeHhmVHl6NUNaZkhQa2tKOHdaVzZvWTIwYmV3X3dsYXZxbS0wODRJQzdBWHpXb0Zya1VTbHlhVlkyQloxTWZpZHdkYTJ5UEVabm52VGtfMlI1MXJTS0E?oc=5) · Lafourche Parish Sheriff's Office
- 2026-03-24 [ULM Alumni Association presents 19th Annual Wine Over Water on Apr. 16 - University of Louisiana at Monroe](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9xLVRWc1RDcnQ0MmEzd2lDaDNDSldnSWp0Rld2d0h2RTRpQ3dmMUF4aGtsTElwMXhjb0l6bVA2TjZPc2g2SFBRY01RTmFndFJTZGlyX2l0SFNuU0lGSHlSSHFWaUI3MTVQ?oc=5) · University of Louisiana at Monroe
- 2025-12-03 [Names in the News: People shaping the future of Lake Area business - American Press](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNaG8yNTVJYlliU0lxV3hxcTZDMmdtNm1DWVROb3FRQnhna0VEam1NTUI1YlZKQ0FMbjBhSlNubFBvb0ExRmNtMmV1MzB4UW03Sm9Oc3BwV21pRHg0bC1iRVZESkcyWGI3NmItNjlqYjNaREJlVm9ySHVNUEc2WHZRTmZKRTJqUDJfLXBzUzJIc29pc3RtTW1mWEtDSWlsbTFSNzY4Z3p1U3dRUFU?oc=5) · American Press
- 2025-08-10 [Full week of activities, special honors part of Bayou Jamb week in Monroe - Crescent City Sports](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZFVCenBZNkZTWkNjMy1ka2YwU0E3NE9LSV92TTZubVhIbWhSU19qdTFvcV9WMUNkalA2dlp0X3RrZFB2bVlkRlhhMXpjak1JQklYQ2w4T3NPc1lFWUdNdVhkLUE0bWg2T3ZRbDRXVnlCVmVOdGF3NExOY3V5eVZqYkd3VnVZTVp1NnU2OW9UMnBSNkFtRWVBU3ItckFiS0Y0WlJSWk5scw?oc=5) · Crescent City Sports
- 2024-11-10 [Obituary information for Harry Heinlein - Crespo & Jirrels](https://news.google.com/rss/articles/CBMifEFVX3lxTFBSc2VsRXBXQmpYdWszOE9vdVpzUGVvWXBEZDF0aldGaTlKb2tGTmQ5NlpLVFdrMEJpbjJuVXl3U1RSS1VpX3l0ZHFQXzctVXZQb3lFWTNydklyTUoyTFZnTzEtaXpCNlFMNmw1cmh3UXlBU2JqTnUyQjlLOGo?oc=5) · Crespo & Jirrels
- 2018-09-26 [Laila "Bonnie" Bollinger Obituary Sep 26, 2018 - chauvinfuneralhome.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1HRGV0NlpRQ29DcU5QRTVPaEo3SzJwY3BUODVkU0RTRDFNZC1QMlFEaTlnWlludFdrcVpGb2QtX3hfTmdEaHotaFJqTUdFcnE4cGg5SER3cXlQNjNZakozbkJYT0pHYXlsczlFOUFqZlZRNlpEdEQw?oc=5) · chauvinfuneralhome.com
- 2022-07-11 [List of school supply drives taking place across Acadiana - KATC](https://news.google.com/rss/articles/CBMilAFBVV95cUxQS3d2eHVKSThxM0t6WU5Gd3lhNG13ZHluMThGb3l1NlVfYjZxNU1HTjZwc0xaclkyWmxpcU9YRVZudl9aZHBTYVRHekJyNVNKeno5OUs1ek1qYlpiNE5oT0NzZXhxNl9EMVhsTk8wWmROdko4dHVfT2JDY2JHWkNGTVExVVkwUHA0V1lqdGFzdVJtNkxL?oc=5) · KATC
- 2024-04-18 [Lockport's La Fete du Monde Festival set to take place this weekend - The Lafourche Gazette](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNZzM2Sl84eWhjcEFxVGtyWFFPR1Bvc2JzTnBQNW9JVmEzTkZkS2d1ZmhfcGhGbGU0ZXRXQ2d4TlQ5OWp3MWhkTWdrdGJwX0hWNUFuaGViZTV5TVJvOTBNSWJFM0RHOFUwUE9kcTVkSUItMFlHUnVJd2JZM0NLcHNOUTgwU2UyUnhlX2lTd2dEaTZaTnVlcnJ6bEJ4cXRudzBhLVNNZUFLTG5kM294alFSNGxybDZKREZTNnNzd0E4MWZGdkRpS0k3WFBzV3RaMUhjd25kZU1CbGt1LTY0cXRzMHIza3Ztc1hTMXpyc1AzTkgzOFBrX2c?oc=5) · The Lafourche Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9931 (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/11.json (key "9931", 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=9931
- 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