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
Call Report peers
EPIC in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); EPIC sits in 75-79 with 502 others.
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
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%).
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.
- One place up in Louisiana, WESLA (#80) ties at 75/100; one place down, BRECO (#82) ties at 75/100.
How EPIC's 5300 filing moved
EPIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $165.6M (2025Q4) to $165.8M (2026Q1).
- Net-worth ratio shifted +0.07 pp (14.34% → 14.41%).
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
EPIC gives up 25 points in total. Delinquency Rate costs the most, 15.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is EPIC financially healthy?
On its 2025Q4 NCUA 5300 filing, EPIC scores 75/100 (Very Good), with a 14.41% net worth ratio and 2.51% of loans delinquent. It ranks #3,259 of 4,374 nationally on health and #81 of 138 in Louisiana.
How does EPIC compare to other credit unions?
EPIC scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.74% vs 72.20%). Its widest shortfall is delinquency rate (2.51% vs 0.89%).
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?
EPIC 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. EPIC's net worth ratio of 14.41% 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.