Federal credit union · Metairie, Louisiana · NCUA charter #404
EPIC
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $165.6M
- Total assets
- 13,789
- Members
- 14.4%
- Net-worth ratio
EPIC scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $165.6M; members 13,789; net-worth ratio 14.41%; health rank #3,259 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,259 of 4,374 health · 2025Q4EPIC · health 75/100 · $165.6M · 2025Q4
- ASSETS 75/100
- MEM 14.4%
- RANK 2.51%
- PHOTO 0.78%
- BOOK $165.6M
- CHARTER 13,789
- NCUSIF #3,259/4,374
- CAMELS Wolverine State
- HEALTH 404
Call Report peers
EPIC in the assets neighbourhood
EPIC's $165.6M assets sit next to Wolverine State ($165.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EPIC 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
75 24th percentile higher than 24% 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
EPIC - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #404, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where EPIC diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +21.54 pp (93.74% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +1.62 pp (2.51% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
EPIC: in-state Call Report ranks
- Health composite ranks #81 of 138 among scored Louisiana credit unions.
- Assets rank #20 of 138 inside Louisiana ($165.6M reported).
- Louisiana membership ordinal: #23 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How EPIC's 5300 filing moved
EPIC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $165.6M (2025Q4) to $165.8M (2026Q1).
- Net-worth ratio shifted +0.07 pp (14.34% → 14.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.3 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 13.6 pts
EPIC vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.41% | +2.30 pp |
| Delinquency Rate | 2.51% | +1.62 pp |
| Return on Assets | 0.78% | +0.16 pp |
| Member Growth | -1.08% | - |
| Loan-to-Share Ratio | 93.74% | +21.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
EPIC filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $165.8M | - |
| 2025Q4 | $165.6M | 13,789 |
| 2024Q4 | $167.4M | 13,940 |
| 2023Q4 | $163.9M | 14,824 |
Credit Union Details
- Charter Number
- 404
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- Metairie
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, EPIC runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| EPIC FCU (Main Office) | Metairie, LA |
| EPIC FCU | Harvey, LA |
| EPIC FCU | New Orleans, 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.
EPIC nationwide neighbourhoods
EPIC's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($165.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- EPIC ranks #3,259 of 4,374 nationally on financial health and #81 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jefferson Parish Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jefferson Parish Employees
- 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 EPIC financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, EPIC carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,259 of 4,374; by total assets it ranks #1,417 of 4,374 nationally (same basis as /rankings/largest); and #20 of 138 within Louisiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.41% net worth ratio and a 2.51% delinquency rate.
How does EPIC compare to other credit unions?
Five weighted metrics from NCUA filings produce EPIC's 75/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 EPIC?
EPIC 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 EPIC directly for the exact boundaries and application steps.
Is my money safe at EPIC?
Federal credit unions like EPIC 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. EPIC's net worth ratio of 14.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EPIC offer compared to banks?
Credit unions like EPIC 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 EPIC 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.