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
Call Report peers
Access of Louisiana in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Access of Louisiana sits in 50-54 with 82 others.
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
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).
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.
- One place up in Louisiana, Cabot Employees (#126) ties at 54/100; one place down, COGIC (#128) ties at 54/100.
Access of Louisiana Call Report trajectory
Access of Louisiana: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $43.8M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.86% → 9.68%).
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
Access of Louisiana gives up 46 points in total. Delinquency Rate costs the most, 20.3 of its 25; Loan-to-Share Ratio loses the least, 0.8.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Access of Louisiana financially healthy?
Access of Louisiana has a financial health score of 54/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,206 of 4,374 nationally on health and #127 of 138 in Louisiana. Its net worth ratio is 9.68% and its delinquency rate 3.25%.
How does Access of Louisiana compare to other credit unions?
Access of Louisiana scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.65% vs 59.80%). Its widest shortfall is net worth ratio (9.68% vs 14.86%).
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?
Access of Louisiana 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. Access of Louisiana's net worth ratio of 9.68% 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.