State credit union · Lake Charles, Louisiana · NCUA charter #63142
Calcasieu Teachers and Employees
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $60.3M
- Total assets
- 4,620
- Members
- 13.6%
- Net-worth ratio
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 - 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)100
- Earnings (ROA)100
- Member growth41
- Liquidity (loan-to-share)69
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.58% 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 | 13.58% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 1.17% | 15% |
| Member Growth | -1.56% | 15% |
| Loan-to-Share Ratio | 48.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Calcasieu Teachers and Employees
Calcasieu Teachers and Employees is a state credit union headquartered in Lake Charles, Louisiana, serving 4,620 members with $60.3M in total assets and $24.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 13.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #63142 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.10% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 48.96% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.17% on net income of $708K 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 -1.56%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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–$100M70Health
- FIRST STREETDERIDDER, LA · $50M–$100M93Health
- POST OFFICE EMPLOYEESShreveport, LA · $50M–$100M71Health
- BATON ROUGE CITY PARISH EMPBATON ROUGE, LA · $50M–$100M83Health
Compare Calcasieu Teachers and Employees vs UNIVERSITY OF LOUISIANA
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.58% 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 13.58% 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.
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.