State credit union · Lake Charles, Louisiana · NCUA charter #63142
Calcasieu Teachers and Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $60.3M
- Total assets
- 4,620
- Members
- 16.5%
- Net-worth ratio
Calcasieu Teachers and Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.3M; members 4,620; net-worth ratio 16.46%; health rank #1,586 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,586 of 4,374 health · 2025Q4Calcasieu Teachers and · health 87/100 · $60.3M · 2025Q4
- ROA 87/100
- ASSETS 16.5%
- MEM 0.10%
- RANK 1.17%
- PHOTO $60.3M
- BOOK 4,620
- CHARTER #1,586/4,374
- NCUSIF Mohave Community
- CAMELS 63142
Call Report peers
Calcasieu Teachers and Employees in the assets neighbourhood
Calcasieu Teachers and Employees's $60.3M assets sit next to Mohave Community ($60.2M) 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.
Calcasieu Teachers and Employees 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
87 Top 40% higher than 60% 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
Calcasieu Teachers and Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63142, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Calcasieu Teachers and Employees: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 16.46% vs peer 13.62% (+2.84 pp).
- Largest lag: Loan-to-Share Ratio at 48.96% vs peer 62.60% (-13.64 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Louisiana standing for Calcasieu Teachers and Employees
- In Louisiana, health place is #37 of 138 on the same NCUA-ratio sort used nationally.
- Louisiana assets place: #38 of 138.
- Louisiana membership ordinal: #47 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Calcasieu Teachers and Employees: 2025Q4 → 2026Q1
Calcasieu Teachers and Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $60.3M (2025Q4) to $61.8M (2026Q1).
- Net-worth ratio shifted -0.36 pp (16.82% → 16.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 10.8 pts
Calcasieu Teachers and health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.46% | +2.84 pp |
| Delinquency Rate | 0.10% | -0.86 pp |
| Return on Assets | 1.17% | +0.52 pp |
| Member Growth | -1.56% | - |
| Loan-to-Share Ratio | 48.96% | -13.64 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).
Calcasieu Teachers and filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $61.8M | - |
| 2025Q4 | $60.3M | 4,620 |
| 2024Q4 | $56.9M | 4,693 |
| 2023Q4 | $60.5M | 4,790 |
Credit Union Details
- Charter Number
- 63142
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- Lake Charles
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Calcasieu Teachers and Employees runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Lake Charles (Main Office) | Lake Charles, LA |
| Moss Bluff | Moss Bluff, LA |
| Sulphur | Sulphur, 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.
- UNIVERSITY OF LOUISIANALafayette, LA · $50M–$100M84Health
- FIRST PIONEERSLAFAYETTE, LA · $50M–$100M77Health
- FIRST STREETDERIDDER, LA · $50M–$100M93Health
- POST OFFICE EMPLOYEESShreveport, LA · $50M–$100M81Health
- BATON ROUGE CITY PARISH EMPBATON ROUGE, LA · $50M–$100M83Health
Compare Calcasieu Teachers and Employees vs UNIVERSITY OF LOUISIANA
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Calcasieu Teachers and Employees, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($60.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Calcasieu Teachers and Employees ranks #1,586 of 4,374 nationally on financial health and #37 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Louisiana is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Louisiana
- 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 Calcasieu Teachers and Employees financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Calcasieu Teachers and Employees'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 #1,586 of 4,374; by total assets it ranks #2,253 of 4,374 nationally (same basis as /rankings/largest); and #38 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.46% net worth ratio and 0.10% delinquency rate are the key drivers.
How does Calcasieu Teachers and Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Calcasieu Teachers and Employees's 87/100 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 Calcasieu Teachers and Employees?
Membership eligibility for Calcasieu Teachers and Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Calcasieu Teachers and Employees directly for current membership requirements and application steps.
Is my money safe at Calcasieu Teachers and Employees?
Federal credit unions like Calcasieu Teachers and 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 Teachers and Employees's net worth ratio of 16.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Calcasieu Teachers and Employees offer compared to banks?
Credit unions like Calcasieu Teachers and 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 Teachers and Employees 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.