State credit union · FRANKLIN, Louisiana · NCUA charter #62441
Cabot Employees
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $1.3M
- Total assets
- 129
- Members
- 19.0%
- Net-worth ratio
Cabot Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62441 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Cabot Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)79
- Member growth7
- Liquidity (loan-to-share)71
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.98% | 30% |
| Delinquency Rate | 6.32% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | -4.44% | 15% |
| Loan-to-Share Ratio | 50.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.3M | 129 |
| 2024Q4 | $1.2M | 135 |
| 2023Q4 | $1.3M | 136 |
Credit Union Details
- Charter Number
- 62441
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Louisiana
- City
- FRANKLIN
- Data Quarter
- 2025Q4
What This Data Says About Cabot Employees
Charter #62441, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Cabot Employees, a state credit union in FRANKLIN, Louisiana with 129 members, $1.3M in total assets, and $452K in outstanding loans as of Q4 2025. The five-factor composite scores it 54/100 (Fair), helped by a net worth ratio of 18.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 6.32% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. The loan-to-share ratio of 50.67% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.29% on net income of $4K 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 -4.44%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Cabot Employees financially healthy?
Cabot Employees has a financial health score of 54/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.98% and delinquency rate of 6.32%.
How does Cabot Employees compare to other credit unions?
Cabot Employees scores 54/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 Cabot Employees?
Membership eligibility for Cabot Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cabot Employees directly for current membership requirements and application steps.
Is my money safe at Cabot Employees?
Federal credit unions like Cabot 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. Cabot Employees's net worth ratio of 18.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cabot Employees offer compared to banks?
Credit unions like Cabot 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 Cabot 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.