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.
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NCUA 5300 Call Report Masthead
#3,287 of 4,374 health · 2025Q4BRECO · health 75/100 · $50.4M · 2025Q4
Call Report peers
BRECO in the assets neighbourhood
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BRECO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BRECO sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Louisiana, EPIC (#81) ties at 75/100; one place down, New Orleans Public Belt Railroad (#83) scores 74/100, 1 point lower.
BRECO: 2025Q4 → 2026Q1
BRECO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $50.4M (2025Q4) to $52.5M (2026Q1).
- Net-worth ratio shifted -0.37 pp (10.55% → 10.18%).
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
BRECO gives up 25 points in total. Return on Assets costs the most, 13.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is BRECO financially healthy?
On its 2025Q4 NCUA 5300 filing, BRECO scores 75/100 (Very Good), with a 10.18% net worth ratio and 1.46% of loans delinquent. It ranks #3,287 of 4,374 nationally on health and #82 of 138 in Louisiana.
How does BRECO compare to other credit unions?
BRECO scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (79.98% vs 62.60%). Its widest shortfall is net worth ratio (10.18% vs 13.62%).
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?
BRECO is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.