Federal credit union · DERIDDER, Louisiana · NCUA charter #20417
First Street
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $58.2M
- Total assets
- 3,347
- Members
- 16.0%
- Net-worth ratio
First Street scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $58.2M; members 3,347; net-worth ratio 16.04%; health rank #588 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#588 of 4,374 health · 2025Q4First Street · health 93/100 · $58.2M · 2025Q4
- NCUSIF 93/100
- CAMELS 16.0%
- HEALTH 0.07%
- NW 1.06%
- DELQ $58.2M
- ROA 3,347
- ASSETS #588/4,374
- MEM Responders Emergency Services
- RANK 20417
Call Report peers
First Street in the assets neighbourhood
First Street's $58.2M assets sit next to Responders Emergency Services ($58.2M) 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.
First Street 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
93 Top 16% higher than 84% 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
First Street - Share Insurance Coverage
Charter #20417's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where First Street diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +2.42 pp (16.04% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 60.63% here, 62.60% peer average (-1.97 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Street sits in Louisiana
- In Louisiana, health place is #15 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #41 of 138 inside Louisiana ($58.2M reported).
- Louisiana membership ordinal: #59 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 First Street's 5300 filing moved
First Street: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $58.2M (2025Q4) to $60.3M (2026Q1).
- Net-worth ratio shifted -0.23 pp (16.27% → 16.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 13.2 pts
First Street vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.04% | +2.42 pp |
| Delinquency Rate | 0.07% | -0.90 pp |
| Return on Assets | 1.06% | +0.40 pp |
| Member Growth | 0.69% | - |
| Loan-to-Share Ratio | 60.63% | -1.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - First Street
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $60.3M | - |
| 2025Q4 | $58.2M | 3,347 |
| 2024Q4 | $54.4M | 3,324 |
| 2023Q4 | $50.6M | 3,246 |
Credit Union Details
- Charter Number
- 20417
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- DERIDDER
- Data Quarter
- 2025Q4
Branch Location
First Street operates a single office in DERIDDER, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| FIRST STREET FEDERAL CREDIT UNION (Main Office) | DERIDDER, 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.
- POST OFFICE EMPLOYEESShreveport, LA · $50M–$100M81Health
- FIRST PIONEERSLAFAYETTE, LA · $50M–$100M77Health
- BATON ROUGE CITY PARISH EMPBATON ROUGE, LA · $50M–$100M83Health
- UNIVERSITY OF LOUISIANALafayette, LA · $50M–$100M84Health
- CALCASIEU TEACHERS AND EMPLOYEESLake Charles, LA · $50M–$100M87Health
Cross-state Call Report peers for First Street
Two NCUA Call Report peer sets for First Street, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($58.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- First Street ranks #588 of 4,374 nationally on financial health and #15 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Post Office Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Post Office 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 First Street financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - First Street's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #588 of 4,374; by total assets it ranks #2,282 of 4,374 nationally (same basis as /rankings/largest); and #41 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.04% net worth ratio and 0.07% delinquency rate are the key drivers.
How does First Street compare to other credit unions?
On PlainCU's health composite, First Street lands at 93/100, compared to a peer group average for $50M–$100M 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 First Street?
First Street 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 First Street directly for the exact boundaries and application steps.
Is my money safe at First Street?
Federal credit unions like First Street 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. First Street's net worth ratio of 16.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Street offer compared to banks?
Credit unions like First Street 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 First Street 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.