Federal credit union · Lake Charles, Louisiana · NCUA charter #18962
Calcasieu Parish Employees
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $19.1M
- Total assets
- 2,040
- Members
- 14.8%
- Net-worth ratio
Calcasieu Parish Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #18962: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Calcasieu Parish 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)53
- Earnings (ROA)100
- Member growth17
- Liquidity (loan-to-share)94
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.85% 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 | 14.85% | 30% |
| Delinquency Rate | 1.90% | 25% |
| Return on Assets | 1.07% | 15% |
| Member Growth | -3.59% | 15% |
| Loan-to-Share Ratio | 65.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $19.1M | 2,040 |
| 2024Q4 | $15.9M | 2,116 |
| 2023Q4 | $16.0M | 2,252 |
Credit Union Details
- Charter Number
- 18962
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Lake Charles
- Data Quarter
- 2025Q4
What This Data Says About Calcasieu Parish Employees
The five-factor composite scores Calcasieu Parish Employees at 75/100 (Very Good), reflecting a net worth ratio of 14.85% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Lake Charles, Louisiana, reports 2,040 members, $19.1M in total assets, and $10.6M in outstanding loans as of Q4 2025 under charter #18962 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
1.90% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 65.67% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.07% on net income of $205K 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 -3.59%. 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: Multiple Common Bond). 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
More federally-insured credit unions based in Louisiana, ordered by peer group match 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 Calcasieu Parish Employees financially healthy?
Calcasieu Parish Employees scores 75/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.85% net worth ratio and a 1.90% delinquency rate.
How does Calcasieu Parish Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Calcasieu Parish Employees's 75/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Calcasieu Parish Employees?
Calcasieu Parish Employees 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 Calcasieu Parish Employees directly for the current list of qualifying groups.
Is my money safe at Calcasieu Parish Employees?
Federal credit unions like Calcasieu Parish 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. Calcasieu Parish Employees's net worth ratio of 14.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Calcasieu Parish Employees offer compared to banks?
Credit unions like Calcasieu Parish 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 Calcasieu Parish 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.