State credit union · FRANKLIN, Louisiana · NCUA charter #62441
Cabot Employees
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $1.3M
- Total assets
- 129
- Members
- 27.3%
- Net-worth ratio
Cabot Employees scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 129; net-worth ratio 27.34%; health rank #4,195 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,195 of 4,374 health · 2025Q4Cabot Employees · health 54/100 · $1.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cabot Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cabot Employees sits in 50-54 with 82 others.
54 4th percentile higher than 4% 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
Where Cabot Employees diverges from peer averages
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +4.41 pp (27.34% vs 22.93%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.03 pp (50.67% vs 52.70%).
Louisiana standing for Cabot Employees
- Louisiana health ordinal: #126 of 138.
- By total assets, Cabot Employees is #122 of 138 in Louisiana.
- Louisiana membership ordinal: #137 of 138.
- One place up in Louisiana, Immaculate Heart of Mary (#125) scores 55/100, 1 point higher; one place down, Access of Louisiana (#127) ties at 54/100.
Quarter path for Cabot Employees
Cabot Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $1.3M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +1.03 pp (26.31% → 27.34%).
This credit union's 27.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 54/100 score is built
Cabot Employees gives up 46 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.9 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 11.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.34% | +4.41 pp |
| Delinquency Rate | 6.32% | +1.85 pp |
| Return on Assets | 0.29% | +0.07 pp |
| Member Growth | -4.44% | - |
| Loan-to-Share Ratio | 50.67% | -2.03 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Cabot Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 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
Branch Location
Cabot Employees operates a single office in Franklin, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| General Delivery (Main Office) | Franklin, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cabot Employees nationwide neighbourhoods
Using this data
- Cabot Employees ranks #4,195 of 4,374 nationally on financial health and #126 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Washington Educational Assoc is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Washington Educational Assoc
Frequently Asked Questions
Is Cabot Employees financially healthy?
Cabot Employees has a financial health score of 54/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,195 of 4,374 nationally on health and #126 of 138 in Louisiana. Its net worth ratio is 27.34% and its delinquency rate 6.32%.
How does Cabot Employees compare to other credit unions?
Cabot Employees scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (27.34% vs 22.93%). Its widest shortfall is loan-to-share ratio (50.67% vs 52.70%).
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?
Cabot Employees is a state-chartered 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. Cabot Employees's net worth ratio of 27.34% 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.