Federal credit union · Lafayette, Louisiana · NCUA charter #14226
3rd District Highway
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $11.5M
- Total assets
- 1,155
- Members
- 18.7%
- Net-worth ratio
3rd District Highway scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.5M; members 1,155; net-worth ratio 18.71%; health rank #3,905 of 4,374; healthier than 10th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,905 of 4,374 health · 2025Q43rd District Highway · health 64/100 · $11.5M · 2025Q4
- HEALTH 64/100
- NW 18.7%
- DELQ 2.21%
- ROA 0.27%
- ASSETS $11.5M
- MEM 1,155
- RANK #3,905/4,374
- PHOTO Sorg Bay West
- BOOK 14226
Call Report peers
3rd District Highway in the assets neighbourhood
3rd District Highway's $11.5M assets sit next to Sorg Bay West ($11.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
3rd District Highway vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
3rd District Highway - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14226. See our deposit-insurance coverage note.
3rd District Highway vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 18.71% vs peer 14.86% (+3.85 pp).
- Loan-to-Share Ratio trails the peer set - 53.46% here, 59.80% peer average (-6.34 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where 3rd District Highway sits in Louisiana
- Louisiana health ordinal: #109 of 138.
- Assets rank #84 of 138 inside Louisiana ($11.5M reported).
- Membership ranks #91 of 138 among Louisiana CUs with a reported count (1,155 members).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How 3rd District Highway's 5300 filing moved
3rd District Highway: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $11.5M (2025Q4) to $11.3M (2026Q1).
- Net-worth ratio shifted +0.27 pp (18.44% → 18.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.2 pts
- Return on Assets 11.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.71% | +3.85 pp |
| Delinquency Rate | 2.21% | +1.06 pp |
| Return on Assets | 0.27% | -0.44 pp |
| Member Growth | -6.85% | - |
| Loan-to-Share Ratio | 53.46% | -6.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
3rd District Highway quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.3M | - |
| 2025Q4 | $11.5M | 1,155 |
| 2024Q4 | $12.0M | 1,240 |
| 2023Q4 | $13.3M | 1,305 |
Credit Union Details
- Charter Number
- 14226
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Lafayette
- Data Quarter
- 2025Q4
Branch Locations (3)
3rd District Highway operates 3 offices in Lafayette, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Lafayette, LA |
| B1 Bank | Lafayette, LA |
| LA DOTD | Lafayette, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Cross-state Call Report peers for 3rd District Highway
Cross-state asset and health neighbours for 3rd District Highway - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- 3rd District Highway ranks #3,905 of 4,374 nationally on financial health and #109 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Livingston Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Livingston Parish
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 3rd District Highway financially healthy?
Yes/no aside, the number is 64/100 (Good) - 3rd District Highway's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,905 of 4,374; by total assets it ranks #3,483 of 4,374 nationally (same basis as /rankings/largest); and #84 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.71% net worth ratio and 2.21% delinquency rate are the key drivers.
How does 3rd District Highway compare to other credit unions?
64/100 is 3rd District Highway's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 3rd District Highway?
3rd District Highway carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact 3rd District Highway directly to confirm current membership steps.
Is my money safe at 3rd District Highway?
Federal credit unions like 3rd District Highway are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 3rd District Highway's net worth ratio of 18.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 3rd District Highway offer compared to banks?
Credit unions like 3rd District Highway are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 3rd District Highway directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.