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.
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NCUA 5300 Call Report Masthead
#4,214 of 4,374 health · 2025Q4COGIC · health 54/100 · $370K · 2025Q4
Call Report peers
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COGIC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COGIC sits in 50-54 with 82 others.
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
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).
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).
- One place up in Louisiana, Access of Louisiana (#127) ties at 54/100; one place down, Xavier University (#129) scores 50/100, 4 points lower.
COGIC: 2025Q4 → 2026Q1
COGIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $370K (2025Q4) to $369K (2026Q1).
- Net-worth ratio shifted -2.41 pp (6.65% → 4.24%).
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
COGIC gives up 46 points in total. Net Worth Ratio costs the most, 19.4 of its 30; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is COGIC financially healthy?
On its 2025Q4 NCUA 5300 filing, COGIC scores 54/100 (Fair), with a 4.24% net worth ratio and 1.95% of loans delinquent. It ranks #4,214 of 4,374 nationally on health and #128 of 138 in Louisiana.
How does COGIC compare to other credit unions?
COGIC scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (71.88% vs 52.70%). Its widest shortfall is net worth ratio (4.24% vs 22.93%).
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?
COGIC is a state-chartered 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. COGIC's net worth ratio of 4.24% is relative to 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.