Federal credit union · BATON ROUGE, Louisiana · NCUA charter #6339
Baton Rouge City Parish Emp
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $56.5M
- Total assets
- 5,791
- Members
- 21.7%
- Net-worth ratio
Baton Rouge City Parish Emp - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6339, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Baton Rouge City Parish Emp - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth19
- Liquidity (loan-to-share)68
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.71% | 30% |
| Delinquency Rate | 0.23% | 25% |
| Return on Assets | 1.90% | 15% |
| Member Growth | -3.40% | 15% |
| Loan-to-Share Ratio | 46.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $56.5M | 5,791 |
| 2024Q4 | $53.7M | 5,995 |
| 2023Q4 | $55.0M | 5,941 |
Credit Union Details
- Charter Number
- 6339
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- BATON ROUGE
- Data Quarter
- 2025Q4
What This Data Says About Baton Rouge City Parish Emp
Baton Rouge City Parish Emp is a federal credit union headquartered in BATON ROUGE, Louisiana, serving 5,791 members with $56.5M in total assets and $20.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 83/100 (Excellent), anchored by a net worth ratio of 21.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #6339 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.23% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 46.68% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.90% on net income of $1.1M 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 -3.40%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) 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
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
- POST OFFICE EMPLOYEESShreveport, LA · $50M–$100M71Health
- FIRST STREETDERIDDER, LA · $50M–$100M93Health
- TOTAL CHOICEHahnville, LA · $50M–$100M54Health
- FIRST PIONEERSLAFAYETTE, LA · $50M–$100M70Health
- POST OFFICE EMPLOYEES'METAIRIE, LA · $50M–$100M87Health
Compare Baton Rouge City Parish Emp vs POST OFFICE EMPLOYEES
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 Baton Rouge City Parish Emp financially healthy?
Baton Rouge City Parish Emp scores 83/100 (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 21.71% net worth ratio and a 0.23% delinquency rate.
How does Baton Rouge City Parish Emp compare to other credit unions?
83/100 is Baton Rouge City Parish Emp's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Baton Rouge City Parish Emp?
Baton Rouge City Parish Emp serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Baton Rouge City Parish Emp directly for the current list of qualifying groups.
Is my money safe at Baton Rouge City Parish Emp?
Federal credit unions like Baton Rouge City Parish Emp 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. Baton Rouge City Parish Emp's net worth ratio of 21.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Baton Rouge City Parish Emp offer compared to banks?
Credit unions like Baton Rouge City Parish Emp 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 Baton Rouge City Parish Emp 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.