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
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 · 2025Q4CARTER · health 40/100 · $737.1M · 2025Q4
Call Report peers
CARTER in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CARTER sits in 40-44 with 25 others.
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 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).
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.
- One place up in Louisiana, Richland Parish Schools (#133) ties at 40/100; one place down, Arabi Sugar Workers (#135) scores 39/100, 1 point lower.
Quarter path for CARTER
CARTER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $737.1M (2025Q4) to $751.9M (2026Q1).
- Net-worth ratio shifted -0.19 pp (8.92% → 8.73%).
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
CARTER gives up 60 points in total. Delinquency Rate costs the most, 24.5 of its 25; Net Worth Ratio loses the least, 3.2.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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.
Other-state peers near CARTER
Similar total assets
Similar health score
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
Frequently Asked Questions
Is CARTER financially healthy?
CARTER has a financial health score of 40/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,341 of 4,374 nationally on health and #134 of 138 in Louisiana. Its net worth ratio is 8.73% and its delinquency rate 3.92%.
How does CARTER compare to other credit unions?
CARTER scores 40/100, higher than 1% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.50% vs 83.90%). Its widest shortfall is delinquency rate (3.92% vs 0.87%).
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?
CARTER is a federal 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. CARTER's net worth ratio of 8.73% 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.