Federal credit union · Chase, Louisiana · NCUA charter #15211

District 58

Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

94
Health / 100
$6.5M
Total assets
704
Members
13.4%
Net-worth ratio

District 58 - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #15211 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for District 58 Share insurance under NCUSIF covers up to $250,000 per share owner. District 58 holds approximately $5.4M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 13.4 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 13.4% · $5.4M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

District 58 - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 13.38% 30% weight
  • Asset quality (delinquency) 0.71% 25% weight
  • Earnings (ROA) 0.39% 15% weight
  • Member growth 2.77% 15% weight
  • Liquidity (loan-to-share) 89% 15% weight

Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 89.2%

This credit union's 13.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$6.5M
Total Assets
704
Members
$4.8M
Total Loans
$5.4M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 13.38% 30%
Delinquency Rate 0.71% 25%
Return on Assets 0.39% 15%
Member Growth 2.77% 15%
Loan-to-Share Ratio 88.59% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $6.5M 704
2024Q4 $6.0M 685
2023Q4 $5.9M 665

Credit Union Details

Charter Number
15211
Type
Federal
Field of Membership
Low Income
Peer Group
$2M–$10M
State
Louisiana
City
Chase
Data Quarter
2025Q4

What This Data Says About District 58

704 members and $6.5M in total assets sit behind District 58, a federal credit union in Chase, Louisiana, which posts a health score of 94/100 (Excellent) on the five-factor composite, with $4.8M in outstanding loans as of Q4 2025 and a net worth ratio of 13.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #15211 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.

Loan book quality rounds out the picture. The delinquency rate of 0.71% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 88.59% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.39% on net income of $25K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 2.77%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

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Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is District 58 financially healthy?

Yes/no aside, the number is 94/100 (Excellent) - District 58's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.38% net worth ratio and 0.71% delinquency rate are the key drivers.

How does District 58 compare to other credit unions?

94/100 is District 58'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 District 58?

District 58 carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact District 58 directly to confirm current membership steps.

Is my money safe at District 58?

Federal credit unions like District 58 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. District 58's net worth ratio of 13.38% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does District 58 offer compared to banks?

Credit unions like District 58 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 District 58 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.