Federal credit union · Lafayette, Louisiana · NCUA charter #18749
705
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $43.6M
- Total assets
- 3,729
- Members
- 7.5%
- Net-worth ratio
705 scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.6M; members 3,729; net-worth ratio 7.52%; health rank #4,126 of 4,374; healthier than 6th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,126 of 4,374 health · 2025Q4705 · health 58/100 · $43.6M · 2025Q4
Call Report peers
705 in the assets neighbourhood
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705 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 705 sits in 55-59 with 115 others.
58 6th percentile higher than 6% 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
Peer-gap read for 705
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +18.25 pp (78.05% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -7.34 pp (7.52% vs 14.86%).
Where 705 sits in Louisiana
- Louisiana health ordinal: #119 of 138.
- By total assets, 705 is #53 of 138 in Louisiana.
- Membership ranks #53 of 138 among Louisiana CUs with a reported count (3,729 members).
- One place up in Louisiana, INSTEP (#118) ties at 58/100; one place down, Coast Guard Employees (#120) scores 57/100, 1 point lower.
705: 2025Q4 → 2026Q1
705: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $43.6M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted -0.17 pp (7.69% → 7.52%).
This credit union's 7.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 58/100 score is built
705 gives up 42 points in total. Delinquency Rate costs the most, 17.8 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 23.8 pts
- Delinquency Rate 7.2 pts
- Return on Assets 0.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.52% | -7.34 pp |
| Delinquency Rate | 2.85% | +1.71 pp |
| Return on Assets | -1.43% | -2.13 pp |
| Member Growth | 2.11% | - |
| Loan-to-Share Ratio | 78.05% | +18.25 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - 705
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.7M | - |
| 2025Q4 | $43.6M | 3,729 |
| 2024Q4 | $44.3M | 3,652 |
| 2023Q4 | $43.8M | 3,660 |
Credit Union Details
- Charter Number
- 18749
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Lafayette
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, 705 runs one office.
| Office | City |
|---|---|
| 705 FCU (Main Office) | Lafayette, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
Other-state peers near 705
Using this data
- 705 ranks #4,126 of 4,374 nationally on financial health and #119 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Access of Louisiana is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Access of Louisiana
Frequently Asked Questions
Is 705 financially healthy?
On its 2025Q4 NCUA 5300 filing, 705 scores 58/100 (Fair), with a 7.52% net worth ratio and 2.85% of loans delinquent. It ranks #4,126 of 4,374 nationally on health and #119 of 138 in Louisiana.
How does 705 compare to other credit unions?
705 scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.05% vs 59.80%). Its widest shortfall is net worth ratio (7.52% vs 14.86%).
How can I join 705?
705 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact 705 directly for the current list of qualifying groups.
Is my money safe at 705?
705 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. 705's net worth ratio of 7.52% 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.