Federal credit union · Lake Charles, Louisiana · NCUA charter #5086
CSE
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $448.7M
- Total assets
- 35,538
- Members
- 11.0%
- Net-worth ratio
CSE scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $448.7M; members 35,538; net-worth ratio 10.96%; health rank #3,478 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,478 of 4,374 health · 2025Q4CSE · health 72/100 · $448.7M · 2025Q4
Call Report peers
CSE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CSE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CSE sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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
CSE: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 67.66% vs peer 72.20% (-4.54 pp).
Louisiana standing for CSE
- Health composite ranks #90 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #10 of 138.
- Member book place in Louisiana: #10 of 138.
- One place up in Louisiana, ANECA (#89) scores 73/100, 1 point higher; one place down, Tangipahoa Parish Teachers (#91) scores 71/100, 1 point lower.
Quarter path for CSE
CSE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $448.7M (2025Q4) to $455.9M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.88% → 10.96%).
At 10.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
CSE gives up 28 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 0.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.4 pts
CSE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.96% | -1.15 pp |
| Delinquency Rate | 1.30% | +0.40 pp |
| Return on Assets | -0.57% | -1.19 pp |
| Member Growth | 0.71% | - |
| Loan-to-Share Ratio | 67.66% | -4.54 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - CSE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $455.9M | - |
| 2025Q4 | $448.7M | 35,538 |
| 2024Q4 | $447.8M | 35,289 |
| 2023Q4 | $448.8M | 34,669 |
Credit Union Details
- Charter Number
- 5086
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- Lake Charles
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for CSE, spread across 4 cities.
| Office | City |
|---|---|
| CSE Federal Credit Union Lake Charles (Main Office) | Lake Charles, LA |
| CSE Federal Credit Union DeRidder | DeRidder, LA |
| CSE Federal Credit Union Jennings | Jennings, LA |
| CSE Federal Credit Union Moss Bluff | Lake Charles, LA |
| CSE Federal Credit Union Sulphur | Sulphur, 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.
CSE nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- CSE ranks #3,478 of 4,374 nationally on financial health and #90 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Baton Rouge Telco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Baton Rouge Telco
Frequently Asked Questions
Is CSE financially healthy?
On its 2025Q4 NCUA 5300 filing, CSE scores 72/100 (Very Good), with a 10.96% net worth ratio and 1.30% of loans delinquent. It ranks #3,478 of 4,374 nationally on health and #90 of 138 in Louisiana.
How does CSE compare to other credit unions?
CSE scores 72/100, higher than 20% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (67.66% vs 72.20%).
How can I join CSE?
CSE 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 CSE directly for the exact boundaries and application steps.
Is my money safe at CSE?
CSE 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. CSE's net worth ratio of 10.96% 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.