Federal credit union · Alexandria, Louisiana · NCUA charter #15602
CENLA
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $127.4M
- Total assets
- 9,397
- Members
- 21.9%
- Net-worth ratio
CENLA scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $127.4M; members 9,397; net-worth ratio 21.86%; health rank #2,048 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,048 of 4,374 health · 2025Q4CENLA · health 84/100 · $127.4M · 2025Q4
Call Report peers
CENLA in the assets neighbourhood
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CENLA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CENLA sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CENLA vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 21.86% vs peer 12.11% (+9.75 pp).
- Loan-to-Share Ratio trails the peer set - 41.94% here, 72.20% peer average (-30.26 pp).
Louisiana standing for CENLA
- In Louisiana, health place is #45 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #26 of 138 inside Louisiana ($127.4M reported).
- Louisiana membership ordinal: #27 of 138.
- One place up in Louisiana, New Orleans Clerk & Checkers (#44) scores 85/100, 1 point higher; one place down, University of Louisiana (#46) ties at 84/100.
CENLA Call Report trajectory
CENLA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $127.4M (2025Q4) to $129.5M (2026Q1).
- Net-worth ratio shifted +0.19 pp (21.67% → 21.86%).
21.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
CENLA gives up 16 points in total. Member Growth costs the most, 10.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 9.8 pts
CENLA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.86% | +9.75 pp |
| Delinquency Rate | 0.30% | -0.60 pp |
| Return on Assets | 1.50% | +0.88 pp |
| Member Growth | -2.66% | - |
| Loan-to-Share Ratio | 41.94% | -30.26 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $129.5M | - |
| 2025Q4 | $127.4M | 9,397 |
| 2024Q4 | $119.9M | 9,654 |
| 2023Q4 | $120.5M | 9,870 |
Credit Union Details
- Charter Number
- 15602
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- Alexandria
- Data Quarter
- 2025Q4
Branch Locations (3)
CENLA operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Alexandria, LA |
| Coliseum Blvd | Alexandria, LA |
| Pineville | Pineville, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- CENLA ranks #2,048 of 4,374 nationally on financial health and #45 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eagle Louisiana is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eagle Louisiana
Frequently Asked Questions
Is CENLA financially healthy?
CENLA has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,048 of 4,374 nationally on health and #45 of 138 in Louisiana. Its net worth ratio is 21.86% and its delinquency rate 0.30%.
How does CENLA compare to other credit unions?
CENLA scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (21.86% vs 12.11%). Its widest shortfall is loan-to-share ratio (41.94% vs 72.20%).
How can I join CENLA?
CENLA 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 CENLA directly for the exact boundaries and application steps.
Is my money safe at CENLA?
CENLA 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. CENLA's net worth ratio of 21.86% 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.