Federal credit union · Baton Rouge, Louisiana · NCUA charter #24526
BRECO
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $50.4M
- Total assets
- 5,422
- Members
- 10.2%
- Net-worth ratio
BRECO scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.4M; members 5,422; net-worth ratio 10.18%; health rank #3,287 of 4,374; healthier than 24th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,287 of 4,374 health · 2025Q4BRECO · health 75/100 · $50.4M · 2025Q4
- ASSETS 75/100
- MEM 10.2%
- RANK 1.46%
- PHOTO -0.30%
- BOOK $50.4M
- CHARTER 5,422
- NCUSIF #3,287/4,374
- CAMELS Western Indiana Credit Union
- HEALTH 24526
Call Report peers
BRECO in the assets neighbourhood
BRECO's $50.4M assets sit next to Western Indiana Credit Union ($50.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BRECO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% 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
BRECO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24526 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for BRECO
- Largest favorable gap: Loan-to-Share Ratio at 79.98% vs peer 62.60% (+17.38 pp).
- Largest lag: Net Worth Ratio at 10.18% vs peer 13.62% (-3.44 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
BRECO: in-state Call Report ranks
- Health composite ranks #82 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #48 of 138.
- Membership ranks #40 of 138 among Louisiana CUs with a reported count (5,422 members).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BRECO: 2025Q4 → 2026Q1
BRECO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $50.4M (2025Q4) to $52.5M (2026Q1).
- Net-worth ratio shifted -0.37 pp (10.55% → 10.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.6 pts
- Return on Assets 1.8 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 15.2 pts
BRECO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.18% | -3.44 pp |
| Delinquency Rate | 1.46% | +0.49 pp |
| Return on Assets | -0.30% | -0.96 pp |
| Member Growth | 1.99% | - |
| Loan-to-Share Ratio | 79.98% | +17.38 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
BRECO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.5M | - |
| 2025Q4 | $50.4M | 5,422 |
| 2024Q4 | $52.4M | 5,316 |
| 2023Q4 | $51.2M | 5,202 |
Credit Union Details
- Charter Number
- 24526
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- Baton Rouge
- Data Quarter
- 2025Q4
Branch Locations (4)
BRECO operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Baton Rouge, LA |
| Sherwood Forest Branch | Baton Rouge, LA |
| River Bend Satellite Office | Saint Francisville, LA |
| Walker Branch | Walker, 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.
Cross-state Call Report peers for BRECO
BRECO's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($50.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- BRECO ranks #3,287 of 4,374 nationally on financial health and #82 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INSTEP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INSTEP
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BRECO financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - BRECO's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,287 of 4,374; by total assets it ranks #2,399 of 4,374 nationally (same basis as /rankings/largest); and #48 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.18% net worth ratio and 1.46% delinquency rate are the key drivers.
How does BRECO compare to other credit unions?
Five weighted metrics from NCUA filings produce BRECO's 75/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 BRECO?
BRECO 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 BRECO directly for the exact boundaries and application steps.
Is my money safe at BRECO?
Federal credit unions like BRECO 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. BRECO's net worth ratio of 10.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BRECO offer compared to banks?
Credit unions like BRECO 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 BRECO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.