Federal credit union · Covington, Louisiana · NCUA charter #10640
CUSA
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $30.7M
- Total assets
- 2,600
- Members
- 10.0%
- Net-worth ratio
CUSA scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.7M; members 2,600; net-worth ratio 9.97%; health rank #4,001 of 4,374; healthier than 8th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,001 of 4,374 health · 2025Q4CUSA · health 62/100 · $30.7M · 2025Q4
Call Report peers
CUSA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CUSA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CUSA sits in 60-64 with 179 others.
62 8th percentile higher than 8% 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
CUSA: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +21.24 pp (81.04% vs 59.80%).
- Largest lag: Net Worth Ratio at 9.97% vs peer 14.86% (-4.89 pp).
Where CUSA sits in Louisiana
- In Louisiana, health place is #113 of 138 on the same NCUA-ratio sort used nationally.
- By total assets, CUSA is #61 of 138 in Louisiana.
- Louisiana membership ordinal: #66 of 138.
- One place up in Louisiana, VALEX (#112) scores 63/100, 1 point higher; one place down, Sewerage & Water Board Employees (#114) ties at 62/100.
CUSA Call Report trajectory
CUSA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $30.7M (2025Q4) to $30.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.87% → 9.97%).
9.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
CUSA gives up 38 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 17.5 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
CUSA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.97% | -4.89 pp |
| Delinquency Rate | 1.34% | +0.19 pp |
| Return on Assets | -1.01% | -1.71 pp |
| Member Growth | -13.45% | - |
| Loan-to-Share Ratio | 81.04% | +21.24 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CUSA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.5M | - |
| 2025Q4 | $30.7M | 2,600 |
| 2024Q4 | $31.1M | 3,004 |
| 2023Q4 | $38.7M | 3,331 |
Credit Union Details
- Charter Number
- 10640
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Covington
- Data Quarter
- 2025Q4
Branch Locations (2)
CUSA operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Covington Main Office (Main Office) | Covington, LA |
| Lafayette Branch/Operations Center | 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.
- BEAUREGARD SCHOOL EMPLOYEESDERIDDER, LA · $10M–$50M89Health
- TANGIPAHOA PARISH TEACHERSAMITE, LA · $10M–$50M71Health
- ALEXANDRIA MUNICIPAL EMPLOYEESAlexandria, LA · $10M–$50M82Health
- SOUTHERN TEACHERS & PARENTSBATON ROUGE, LA · $10M–$50M77Health
- ENGAGENATCHITOCHES, LA · $10M–$50M95Health
Cross-state Call Report peers for CUSA
Similar total assets
Similar health score
Using this data
- CUSA ranks #4,001 of 4,374 nationally on financial health and #113 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Beauregard School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Beauregard School Employees
Frequently Asked Questions
Is CUSA financially healthy?
CUSA has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,001 of 4,374 nationally on health and #113 of 138 in Louisiana. Its net worth ratio is 9.97% and its delinquency rate 1.34%.
How does CUSA compare to other credit unions?
CUSA scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.04% vs 59.80%). Its widest shortfall is net worth ratio (9.97% vs 14.86%).
How can I join CUSA?
CUSA 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 CUSA directly for the exact boundaries and application steps.
Is my money safe at CUSA?
CUSA 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. CUSA's net worth ratio of 9.97% 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.