Federal credit union · Baton Rouge, Louisiana · NCUA charter #1257
Baton Rouge Fire Department
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $79.7M
- Total assets
- 6,390
- Members
- 21.7%
- Net-worth ratio
Baton Rouge Fire Department - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1257: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Baton Rouge Fire Department - 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)93
- Earnings (ROA)100
- Member growth79
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 21.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.74% | 30% |
| Delinquency Rate | 0.67% | 25% |
| Return on Assets | 1.39% | 15% |
| Member Growth | 2.39% | 15% |
| Loan-to-Share Ratio | 82.10% | 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 | $79.7M | 6,390 |
| 2024Q4 | $72.9M | 6,241 |
| 2023Q4 | $71.1M | 6,370 |
Credit Union Details
- Charter Number
- 1257
- 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 Fire Department
Charter #1257, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Baton Rouge Fire Department, a federal credit union in Baton Rouge, Louisiana with 6,390 members, $79.7M in total assets, and $51.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 95/100 (Excellent), helped by a net worth ratio of 21.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 82.10% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.67% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 1.39% 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 2.39%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group 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 Baton Rouge Fire Department financially healthy?
A 21.74% net worth ratio and a 0.67% delinquency rate feed into Baton Rouge Fire Department's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Baton Rouge Fire Department compare to other credit unions?
On PlainCU's health composite, Baton Rouge Fire Department lands at 95/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Baton Rouge Fire Department?
Baton Rouge Fire Department 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 Fire Department directly for the current list of qualifying groups.
Is my money safe at Baton Rouge Fire Department?
Federal credit unions like Baton Rouge Fire Department 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 Fire Department's net worth ratio of 21.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Baton Rouge Fire Department offer compared to banks?
Credit unions like Baton Rouge Fire Department 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 Fire Department 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.