Federal credit union · METAIRIE, Louisiana · NCUA charter #10393
Electrical Workers Local 130
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $3.5M
- Total assets
- 1,479
- Members
- 12.6%
- Net-worth ratio
Electrical Workers Local 130 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10393. See our deposit-insurance coverage note.
Electrical Workers Local 130 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)68
- Earnings (ROA)71
- Member growth62
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.61% | 30% |
| Delinquency Rate | 1.40% | 25% |
| Return on Assets | 0.21% | 15% |
| Member Growth | 0.27% | 15% |
| Loan-to-Share Ratio | 80.79% | 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 | $3.5M | 1,479 |
| 2024Q4 | $3.9M | 1,475 |
| 2023Q4 | $4.2M | 1,444 |
Credit Union Details
- Charter Number
- 10393
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- METAIRIE
- Data Quarter
- 2025Q4
What This Data Says About Electrical Workers Local 130
Charter #10393, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Electrical Workers Local 130, a federal credit union in METAIRIE, Louisiana with 1,479 members, $3.5M in total assets, and $2.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 12.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 80.79% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.40% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.21% on net income of $7K 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 0.27%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
- N.O. PORT COMMISSION EMPLOYEESNew Orleans, LA · $2M–$10M63Health
- LOUISIANA MACHINERY EMPLOYEESMonroe, LA · $2M–$10M86Health
- WEST MONROEWest Monroe, LA · $2M–$10M23Health
- COAST GUARD EMPLOYEESNew Orleans, LA · $2M–$10M57Health
- CONCORDIA PARISH SCHOOL EMPFERRIDAY, LA · $2M–$10M78Health
Compare Electrical Workers Local 130 vs N.O. PORT COMMISSION EMPLOYEES
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 Electrical Workers Local 130 financially healthy?
Electrical Workers Local 130 scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.61% net worth ratio and a 1.40% delinquency rate.
How does Electrical Workers Local 130 compare to other credit unions?
On PlainCU's health composite, Electrical Workers Local 130 lands at 82/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Electrical Workers Local 130?
Electrical Workers Local 130 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 Electrical Workers Local 130 directly for the exact boundaries and application steps.
Is my money safe at Electrical Workers Local 130?
Federal credit unions like Electrical Workers Local 130 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. Electrical Workers Local 130's net worth ratio of 12.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Electrical Workers Local 130 offer compared to banks?
Credit unions like Electrical Workers Local 130 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 Electrical Workers Local 130 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.