Federal credit union · SPRINGHILL, Louisiana · NCUA charter #9164

CARTER

Health score 40/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.

40
Health / 100
$737.1M
Total assets
31,529
Members
8.7%
Net-worth ratio
F Letter grade on the five-factor composite

CARTER scores 40/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $737.1M; members 31,529; net-worth ratio 8.73%; health rank #4,341 of 4,374; healthier than 1st of scored peers.

NCUA Call Report stamp band

NCUA 5300 Call Report Masthead

#4,341 of 4,374 health · 2025Q4

CARTER · health 40/100 · $737.1M · 2025Q4

  • NW 40/100
  • DELQ 8.7%
  • ROA 3.92%
  • ASSETS -0.28%
  • MEM $737.1M
  • RANK 31,529
  • PHOTO #4,341/4,374
  • BOOK Generations Community
  • CHARTER 9164

Call Report peers

CARTER in the assets neighbourhood

Reliant Community$742.3MGenerations Community$738.6MCARTER (this)$737.1MPIONEER$734.5MLegacy Community$734.0MCredit Union of Georgia$732.6M
Nearest other-state credit unions by total assets (NCUA 5300)

CARTER's $737.1M assets sit next to Generations Community ($738.6M) 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.

CARTER 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

40 1st percentile higher than 1% 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

CARTER - Share Insurance Coverage

Charter #9164's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for CARTER Share insurance under NCUSIF covers up to $250,000 per share owner. CARTER holds approximately $559.8M in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 8.7 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 8.7% · $559.8M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

CARTER vs Over $500M peers

  • Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +15.60 pp (99.50% vs 83.90%).
  • Largest lag: Delinquency Rate at 3.92% vs peer 0.87% (+3.04 pp).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

Louisiana standing for CARTER

  • Health composite ranks #134 of 138 among scored Louisiana credit unions.
  • Assets rank #8 of 138 inside Louisiana ($737.1M reported).
  • Louisiana membership ordinal: #12 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.

Quarter path for CARTER

CARTER: total assets by quarter

4 Call Report filings on this page's own vintage chain

700,000,000720,000,000740,000,000760,000,000780,000,000800,000,000 2023Q42024Q42025Q42026Q1 721,538,708 751,866,919 ▲ +4.2%
  • Assets moved +2.0% from $737.1M (2025Q4) to $751.9M (2026Q1).
  • Net-worth ratio shifted -0.19 pp (8.92% → 8.73%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 58.2%

8.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 40/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 40.

  • Net Worth Ratio 26.8 pts
  • Delinquency Rate 0.5 pts
  • Return on Assets 1.9 pts
  • Member Growth 0.0 pts
  • Loan-to-Share Ratio 10.8 pts

Financial Health Metrics

Metric Value vs peer
Net Worth Ratio 8.73% -2.45 pp
Delinquency Rate 3.92% +3.04 pp
Return on Assets -0.28% -0.79 pp
Member Growth -10.88% -
Loan-to-Share Ratio 99.50% +15.60 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Historical Financials

Quarter Assets Members
2026Q1 $751.9M -
2025Q4 $737.1M 31,529
2024Q4 $784.1M 35,380
2023Q4 $721.5M 34,633

Credit Union Details

Charter Number
9164
Type
Federal
Field of Membership
Community
Peer Group
Over $500M
State
Louisiana
City
SPRINGHILL
Data Quarter
2025Q4

Branch Locations (15)

The NCUA branch filing lists 15 physical offices for CARTER, spread across 9 cities in 3 states.

Office City
Operations (Main Office) Springhill, LA
Bossier Branch Bossier City, LA
Coushatta Branch 22 Coushatta, LA
Downtown Fort Worth Fort Worth, TX
Magnolia Branch 04 Magnolia, AR
Mansfield Branch 02 Mansfield, LA
Minden Branch 05 Minden, LA
Shreveport Branch 07 Shreveport, LA
Old ASC Shreveport, LA
Ellerbe Branch 17 Shreveport, LA
Southern University Branch 23 Shreveport, LA
New ASC Shreveport, LA
Jewella Branch 30 Shreveport, LA
Simsboro Branch Simsboro, LA
Springhill Branch 03 Springhill, 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.

Compare CARTER vs LA CAPITOL

Other-state peers near CARTER

Two NCUA Call Report peer sets for CARTER, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).

Similar health score

Nearest other-state credit unions by five-factor health composite (40/100 here).

Sp Trainmen 40 · TX First Lincoln 40 · NE Post Gazette 40 · PA Lion's Share 40 · NC

Using this data

  • CARTER ranks #4,341 of 4,374 nationally on financial health and #134 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • La Capitol is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with La Capitol
  • 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 CARTER financially healthy?

CARTER has a financial health score of 40/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,341 of 4,374; by total assets it ranks #590 of 4,374 nationally (same basis as /rankings/largest); and #8 of 138 within Louisiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.73% and delinquency rate of 3.92%.

How does CARTER compare to other credit unions?

Five weighted metrics from NCUA filings produce CARTER's 40/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 CARTER?

CARTER operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CARTER directly for the exact boundaries and application steps.

Is my money safe at CARTER?

Federal credit unions like CARTER 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. CARTER's net worth ratio of 8.73% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does CARTER offer compared to banks?

Credit unions like CARTER 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 CARTER directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for CARTER. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.