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
- DELQ 58/100
- ROA 7.5%
- ASSETS 2.85%
- MEM -1.43%
- RANK $43.6M
- PHOTO 3,729
- BOOK #4,126/4,374
- CHARTER On the Grid Financial
- NCUSIF 18749
Call Report peers
705 in the assets neighbourhood
705's $43.6M assets sit next to On the Grid Financial ($43.6M) 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.
705 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
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
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.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
705: 2025Q4 → 2026Q1
705: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $43.6M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted -0.17 pp (7.69% → 7.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- 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 |
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).
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
705's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,126 of 4,374; by total assets it ranks #2,522 of 4,374 nationally (same basis as /rankings/largest); and #53 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.52% 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 7.52% 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.
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.