Federal credit union · Lafayette, Louisiana · NCUA charter #14226
3rd District Highway
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $11.5M
- Total assets
- 1,155
- Members
- 16.5%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)45
- Earnings (ROA)77
- Member growth0
- Liquidity (loan-to-share)75
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.48% | 30% |
| Delinquency Rate | 2.21% | 25% |
| Return on Assets | 0.27% | 15% |
| Member Growth | -6.85% | 15% |
| Loan-to-Share Ratio | 53.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About 3rd District Highway
Headquartered in Lafayette, Louisiana, 3rd District Highway is a federal credit union with 1,155 members, $11.5M in total assets, and $4.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 64/100 (Good), driven in part by a net worth ratio of 16.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #14226 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 2.21% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 53.46% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.27% on net income of $31K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.85%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.48% 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 16.48% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.