Federal credit union · Lafayette, Louisiana · NCUA charter #6898
ACADIAN
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $20.3M
- Total assets
- 2,718
- Members
- 11.7%
- Net-worth ratio
ACADIAN scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.3M; members 2,718; net-worth ratio 11.70%; health rank #1,659 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,659 of 4,374 health · 2025Q4ACADIAN · health 87/100 · $20.3M · 2025Q4
- ASSETS 87/100
- MEM 11.7%
- RANK 0.55%
- PHOTO 1.63%
- BOOK $20.3M
- CHARTER 2,718
- NCUSIF #1,659/4,374
- CAMELS Chicago Firemans Assoc
- HEALTH 6898
Call Report peers
ACADIAN in the assets neighbourhood
ACADIAN's $20.3M assets sit next to Chicago Firemans Assoc ($20.3M) 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.
ACADIAN 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
87 Top 40% higher than 60% 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
ACADIAN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6898. See our deposit-insurance coverage note.
ACADIAN vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 65.20% here, 59.80% peer average (+5.40 pp).
- Largest lag: Net Worth Ratio at 11.70% vs peer 14.86% (-3.16 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ACADIAN in Louisiana
- In Louisiana, health place is #39 of 138 on the same NCUA-ratio sort used nationally.
- By total assets, ACADIAN is #72 of 138 in Louisiana.
- Member book place in Louisiana: #64 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ACADIAN: 2025Q4 → 2026Q1
ACADIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $20.3M (2025Q4) to $20.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.67% → 11.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 14.2 pts
ACADIAN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.70% | -3.16 pp |
| Delinquency Rate | 0.55% | -0.59 pp |
| Return on Assets | 1.63% | +0.93 pp |
| Member Growth | -3.17% | - |
| Loan-to-Share Ratio | 65.20% | +5.40 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.7M | - |
| 2025Q4 | $20.3M | 2,718 |
| 2024Q4 | $20.0M | 2,807 |
| 2023Q4 | $19.2M | 2,784 |
Credit Union Details
- Charter Number
- 6898
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Lafayette
- Data Quarter
- 2025Q4
Branch Location
ACADIAN operates a single office in Lafayette, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Acadian Federal Credit Union (Main Office) | 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.
- INTERNAL REVENUENEW ORLEANS, LA · $10M–$50M88Health
- CALCASIEU PARISH EMPLOYEESLake Charles, LA · $10M–$50M75Health
- NEW ORLEANS POLICE DEPARTMENT EMP.New Orleans, LA · $10M–$50M92Health
- FEDERAL EMPLOYEESMONROE, LA · $10M–$50M85Health
- BAYOU COMMUNITYSaint Gabriel, LA · $10M–$50M93Health
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for ACADIAN, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- ACADIAN ranks #1,659 of 4,374 nationally on financial health and #39 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Internal Revenue is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Internal Revenue
- 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 ACADIAN financially healthy?
A 11.70% net worth ratio and a 0.55% delinquency rate feed into ACADIAN's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,659 of 4,374; by total assets it ranks #3,141 of 4,374 nationally (same basis as /rankings/largest); and #72 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ACADIAN compare to other credit unions?
87/100 is ACADIAN'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 ACADIAN?
ACADIAN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ACADIAN directly for the exact boundaries and application steps.
Is my money safe at ACADIAN?
Federal credit unions like ACADIAN 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. ACADIAN's net worth ratio of 11.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ACADIAN offer compared to banks?
Credit unions like ACADIAN 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 ACADIAN 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.