State credit union · Lafayette, Louisiana · NCUA charter #65780
COGIC
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $370K
- Total assets
- 246
- Members
- 4.2%
- Net-worth ratio
COGIC scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $370K; members 246; net-worth ratio 4.24%; health rank #4,214 of 4,374; healthier than 4th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,214 of 4,374 health · 2025Q4COGIC · health 54/100 · $370K · 2025Q4
- ROA 54/100
- ASSETS 4.2%
- MEM 1.95%
- RANK 0.99%
- PHOTO $370K
- BOOK 246
- CHARTER #4,214/4,374
- NCUSIF n/a
- CAMELS 65780
Call Report peers
COGIC carries $370K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COGIC 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
54 4th percentile higher than 4% 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
COGIC - Share Insurance Coverage
Charter #65780'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.
Peer-gap read for COGIC
- Largest favorable gap: Loan-to-Share Ratio at 71.88% vs peer 52.70% (+19.18 pp).
- Net Worth Ratio trails the peer set - 4.24% here, 22.93% peer average (-18.69 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where COGIC sits in Louisiana
- Health composite ranks #128 of 138 among scored Louisiana credit unions.
- By total assets, COGIC is #137 of 138 in Louisiana.
- Membership ranks #129 of 138 among Louisiana CUs with a reported count (246 members).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
COGIC: 2025Q4 → 2026Q1
COGIC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $370K (2025Q4) to $369K (2026Q1).
- Net-worth ratio shifted -2.41 pp (6.65% → 4.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
4.24% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 54/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- Net Worth Ratio 10.6 pts
- Delinquency Rate 12.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.24% | -18.69 pp |
| Delinquency Rate | 1.95% | -2.53 pp |
| Return on Assets | 0.99% | +0.77 pp |
| Member Growth | -9.23% | - |
| Loan-to-Share Ratio | 71.88% | +19.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
COGIC quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $369K | - |
| 2025Q4 | $370K | 246 |
| 2024Q4 | $452K | 271 |
| 2023Q4 | $469K | 266 |
Credit Union Details
- Charter Number
- 65780
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Louisiana
- City
- Lafayette
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for COGIC.
| Office | City |
|---|---|
| COGIC Credit Union (Main Office) | Lafayette, LA |
| Gethsemane Church | Lafayette, 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.
Cross-state Call Report peers for COGIC
COGIC's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
Using this data
- COGIC ranks #4,214 of 4,374 nationally on financial health and #128 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Orleans Public Belt Railroad is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Orleans Public Belt Railroad
- 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 COGIC financially healthy?
COGIC has a financial health score of 54/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,214 of 4,374; by total assets it ranks #4,319 of 4,374 nationally (same basis as /rankings/largest); and #137 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 4.24% and delinquency rate of 1.95%.
How does COGIC compare to other credit unions?
54/100 is COGIC's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 COGIC?
Membership eligibility for COGIC depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COGIC directly for current membership requirements and application steps.
Is my money safe at COGIC?
Federal credit unions like COGIC 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. COGIC's net worth ratio of 4.24% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does COGIC offer compared to banks?
Credit unions like COGIC 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 COGIC 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.