Federal credit union · Lake Charles, Louisiana · NCUA charter #10353
Access of Louisiana
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $43.8M
- Total assets
- 3,655
- Members
- 9.7%
- Net-worth ratio
Access of Louisiana scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.8M; members 3,655; net-worth ratio 9.68%; health rank #4,206 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,206 of 4,374 health · 2025Q4Access of Louisiana · health 54/100 · $43.8M · 2025Q4
- ROA 54/100
- ASSETS 9.7%
- MEM 3.25%
- RANK -0.24%
- PHOTO $43.8M
- BOOK 3,655
- CHARTER #4,206/4,374
- NCUSIF EDU
- CAMELS 10353
Call Report peers
Access of Louisiana in the assets neighbourhood
Access of Louisiana's $43.8M assets sit next to EDU ($43.7M) 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.
Access of Louisiana 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
54 4th percentile higher than 4% 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
Access of Louisiana - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10353. See our deposit-insurance coverage note.
Peer-gap read for Access of Louisiana
- Loan-to-Share Ratio leads the peer set - 66.65% here, 59.80% peer average (+6.85 pp).
- Net Worth Ratio trails the peer set - 9.68% here, 14.86% peer average (-5.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Access of Louisiana: in-state Call Report ranks
- Louisiana health ordinal: #127 of 138.
- By total assets, Access of Louisiana is #52 of 138 in Louisiana.
- Louisiana membership ordinal: #55 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.
Access of Louisiana Call Report trajectory
Access of Louisiana: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $43.8M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.86% → 9.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 54/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 4.7 pts
- Return on Assets 2.3 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for Access of Louisiana
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.68% | -5.18 pp |
| Delinquency Rate | 3.25% | +2.10 pp |
| Return on Assets | -0.24% | -0.94 pp |
| Member Growth | -3.05% | - |
| Loan-to-Share Ratio | 66.65% | +6.85 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 | $44.7M | - |
| 2025Q4 | $43.8M | 3,655 |
| 2024Q4 | $46.6M | 3,770 |
| 2023Q4 | $44.9M | 3,848 |
Credit Union Details
- Charter Number
- 10353
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Lake Charles
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Access of Louisiana runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Kirby (Main Office) | Lake Charles, LA |
| Sulphur | Sulphur, 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 Access of Louisiana
Cross-state asset and health neighbours for Access of Louisiana - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
Using this data
- Access of Louisiana ranks #4,206 of 4,374 nationally on financial health and #127 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 705 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 705
- 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 Access of Louisiana financially healthy?
Access of Louisiana has a financial health score of 54/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,206 of 4,374; by total assets it ranks #2,519 of 4,374 nationally (same basis as /rankings/largest); and #52 of 138 within Louisiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.68% and delinquency rate of 3.25%.
How does Access of Louisiana compare to other credit unions?
PlainCU's health composite puts Access of Louisiana at 54/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Access of Louisiana?
Access of Louisiana 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 Access of Louisiana directly for the exact boundaries and application steps.
Is my money safe at Access of Louisiana?
Federal credit unions like Access of Louisiana 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. Access of Louisiana's net worth ratio of 9.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Access of Louisiana offer compared to banks?
Credit unions like Access of Louisiana 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 Access of Louisiana 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.