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
Call Report peers
3rd District Highway in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); 3rd District Highway sits in 60-64 with 179 others.
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Louisiana, Fourth Ward (#108) scores 65/100, 1 point higher; one place down, Judicial & Justice (#110) ties at 64/100.
How 3rd District Highway's 5300 filing moved
3rd District Highway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $11.5M (2025Q4) to $11.3M (2026Q1).
- Net-worth ratio shifted +0.27 pp (18.44% → 18.71%).
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
3rd District Highway gives up 36 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is 3rd District Highway financially healthy?
3rd District Highway has a financial health score of 64/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,905 of 4,374 nationally on health and #109 of 138 in Louisiana. Its net worth ratio is 18.71% and its delinquency rate 2.21%.
How does 3rd District Highway compare to other credit unions?
3rd District Highway scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.71% vs 14.86%). Its widest shortfall is loan-to-share ratio (53.46% vs 59.80%).
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?
3rd District Highway is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.