Federal credit union · New Orleans, Louisiana · NCUA charter #19985
Arabi Sugar Workers
Health score 39/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 39
- Health / 100
- $2.0M
- Total assets
- 277
- Members
- 39.8%
- Net-worth ratio
Arabi Sugar Workers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19985 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Arabi Sugar Workers - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)37
- Member growth6
- Liquidity (loan-to-share)18
Weighted composite: 39/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 39.83% 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 | 39.83% | 30% |
| Delinquency Rate | 9.37% | 25% |
| Return on Assets | 0.02% | 15% |
| Member Growth | -4.48% | 15% |
| Loan-to-Share Ratio | 120.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.0M | 277 |
| 2024Q4 | $1.8M | 290 |
| 2023Q4 | $1.8M | 288 |
Credit Union Details
- Charter Number
- 19985
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Louisiana
- City
- New Orleans
- Data Quarter
- 2025Q4
What This Data Says About Arabi Sugar Workers
Arabi Sugar Workers is a federal credit union headquartered in New Orleans, Louisiana, serving 277 members with $2.0M in total assets and $1.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 39/100 (Weak), anchored by a net worth ratio of 39.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #19985 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 9.37% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 120.90% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.02% on net income of $466 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 -4.48%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Arabi Sugar Workers financially healthy?
Arabi Sugar Workers has a financial health score of 39/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 39.83% and delinquency rate of 9.37%.
How does Arabi Sugar Workers compare to other credit unions?
Five weighted metrics from NCUA filings produce Arabi Sugar Workers's 39/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Arabi Sugar Workers?
Arabi Sugar Workers 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 Arabi Sugar Workers directly for the exact boundaries and application steps.
Is my money safe at Arabi Sugar Workers?
Federal credit unions like Arabi Sugar Workers 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. Arabi Sugar Workers's net worth ratio of 39.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arabi Sugar Workers offer compared to banks?
Credit unions like Arabi Sugar Workers 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 Arabi Sugar Workers 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.