Federal credit union · BOUTTE, Louisiana · NCUA charter #12292
Barton Plant Employees
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $15.7M
- Total assets
- 1,491
- Members
- 32.5%
- Net-worth ratio
Barton Plant Employees - Share Insurance Coverage
Charter #12292's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Barton Plant Employees - 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)100
- Earnings (ROA)100
- Member growth12
- Liquidity (loan-to-share)100
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 32.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 32.54% | 30% |
| Delinquency Rate | 0.13% | 25% |
| Return on Assets | 1.02% | 15% |
| Member Growth | -3.99% | 15% |
| Loan-to-Share Ratio | 70.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $15.7M | 1,491 |
| 2024Q4 | $15.8M | 1,553 |
| 2023Q4 | $16.9M | 1,626 |
Credit Union Details
- Charter Number
- 12292
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- BOUTTE
- Data Quarter
- 2025Q4
What This Data Says About Barton Plant Employees
Charter #12292, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Barton Plant Employees, a federal credit union in BOUTTE, Louisiana with 1,491 members, $15.7M in total assets, and $7.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 32.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 70.96% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.13% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.02% on net income of $160K 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 -3.99%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
- ST. BERNARD PARISH SCHOOL BOARD EMPCHALMETTE, LA · $10M–$50M97Health
- TULANE/LOYOLANew Orleans, LA · $10M–$50M57Health
- FLEUR-DE-LISMetairie, LA · $10M–$50M80Health
- VERMILION EMPLOYEESAbbeville, LA · $10M–$50M78Health
- CADDO PARISH TEACHERSSHREVEPORT, LA · $10M–$50M91Health
Compare Barton Plant Employees vs ST. BERNARD PARISH SCHOOL BOARD EMP
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 Barton Plant Employees financially healthy?
Barton Plant Employees scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 32.54% net worth ratio and a 0.13% delinquency rate.
How does Barton Plant Employees compare to other credit unions?
Barton Plant Employees scores 87/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Barton Plant Employees?
Barton Plant Employees 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 Barton Plant Employees directly for the exact boundaries and application steps.
Is my money safe at Barton Plant Employees?
Federal credit unions like Barton Plant Employees 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. Barton Plant Employees's net worth ratio of 32.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Barton Plant Employees offer compared to banks?
Credit unions like Barton Plant Employees 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 Barton Plant Employees 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.