Federal credit union · FERRIDAY, Louisiana · NCUA charter #17396
Concordia Parish School Emp
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $3.1M
- Total assets
- 1,369
- Members
- 10.7%
- Net-worth ratio
Concordia Parish School Emp scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 1,369; net-worth ratio 10.65%; health rank #2,995 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,995 of 4,374 health · 2025Q4Concordia Parish School Emp · health 78/100 · $3.1M · 2025Q4
- RANK 78/100
- PHOTO 10.7%
- BOOK 1.94%
- CHARTER 0.22%
- NCUSIF $3.1M
- CAMELS 1,369
- HEALTH #2,995/4,374
- NW n/a
- DELQ 17396
Call Report peers
Concordia Parish School Emp carries $3.1M 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.
Concordia Parish School Emp 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
78 31st percentile higher than 31% 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
Concordia Parish School Emp - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #17396. See our deposit-insurance coverage note.
Concordia Parish School Emp vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 71.57% here, 63.60% peer average (+7.97 pp).
- Largest lag: Net Worth Ratio at 10.65% vs peer 19.06% (-8.41 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Concordia Parish School Emp: in-state Call Report ranks
- In Louisiana, health place is #68 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #114 of 138 inside Louisiana ($3.1M reported).
- Membership ranks #89 of 138 among Louisiana CUs with a reported count (1,369 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.
Quarter path for Concordia Parish School Emp
Concordia Parish School Emp: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $3.1M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted -0.11 pp (10.76% → 10.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.9 pts
- Return on Assets 10.9 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 15.2 pts
Concordia Parish School Emp vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.65% | -8.41 pp |
| Delinquency Rate | 1.94% | +0.13 pp |
| Return on Assets | 0.22% | -0.23 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 71.57% | +7.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Concordia Parish School Emp
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.2M | - |
| 2025Q4 | $3.1M | 1,369 |
| 2024Q4 | $3.2M | 1,369 |
| 2023Q4 | $3.3M | 1,332 |
Credit Union Details
- Charter Number
- 17396
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- FERRIDAY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Concordia Parish School Emp runs one office.
| Office | City |
|---|---|
| Concordia PSE FCU (Main Office) | Ferriday, 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.
- SOUTHEAST LOUISIANA VETERANS HEALTHNew Orleans, LA · $2M–$10M98Health
- N.O. PORT COMMISSION EMPLOYEESNew Orleans, LA · $2M–$10M63Health
- ELECTRICAL WORKERS LOCAL 130METAIRIE, LA · $2M–$10M82Health
- LOUISIANA MACHINERY EMPLOYEESMonroe, LA · $2M–$10M86Health
- T E AHouma, LA · $2M–$10M82Health
Compare Concordia Parish School Emp vs SOUTHEAST LOUISIANA VETERANS HEALTH
Concordia Parish School Emp nationwide neighbourhoods
Cross-state asset and health neighbours for Concordia Parish School Emp - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Concordia Parish School Emp ranks #2,995 of 4,374 nationally on financial health and #68 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southeast Louisiana Veterans Health is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southeast Louisiana Veterans Health
- 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 Concordia Parish School Emp financially healthy?
A 10.65% net worth ratio and a 1.94% delinquency rate feed into Concordia Parish School Emp's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,995 of 4,374; by total assets it ranks #4,031 of 4,374 nationally (same basis as /rankings/largest); and #114 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Concordia Parish School Emp compare to other credit unions?
78/100 is Concordia Parish School Emp's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Concordia Parish School Emp?
Concordia Parish School Emp 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 Concordia Parish School Emp directly for the exact boundaries and application steps.
Is my money safe at Concordia Parish School Emp?
Federal credit unions like Concordia Parish School Emp 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. Concordia Parish School Emp's net worth ratio of 10.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Concordia Parish School Emp offer compared to banks?
Credit unions like Concordia Parish School Emp 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 Concordia Parish School Emp 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.