Federal credit union · Lafayette, Louisiana · NCUA charter #18749
705
Health score 58/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $43.6M
- Total assets
- 3,729
- Members
- 7.7%
- Net-worth ratio
705 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18749. See our deposit-insurance coverage note.
705 - 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)81
- Asset quality (delinquency)29
- Earnings (ROA)0
- Member growth77
- Liquidity (loan-to-share)100
Weighted composite: 58/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.69% | 30% |
| Delinquency Rate | 2.85% | 25% |
| Return on Assets | -1.43% | 15% |
| Member Growth | 2.11% | 15% |
| Loan-to-Share Ratio | 78.05% | 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 | $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
What This Data Says About 705
705 is a federal credit union headquartered in Lafayette, Louisiana, serving 3,729 members with $43.6M in total assets and $31.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 58/100 (Fair), anchored by a net worth ratio of 7.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #18749 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 2.85% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 78.05% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -1.43% on net income of $-623653 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 2.11%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match 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 705 financially healthy?
Yes/no aside, the number is 58/100 (Fair) - 705's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.69% net worth ratio and 2.85% delinquency rate are the key drivers.
How does 705 compare to other credit unions?
On PlainCU's health composite, 705 lands at 58/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like 705 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. 705's net worth ratio of 7.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 705 offer compared to banks?
Credit unions like 705 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 705 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.