Federal credit union · DERIDDER, Louisiana · NCUA charter #20417
First Street
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $58.2M
- Total assets
- 3,347
- Members
- 15.0%
- Net-worth ratio
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.
First Street - 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)100
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)86
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.04% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | 1.06% | 15% |
| Member Growth | 0.69% | 15% |
| Loan-to-Share Ratio | 60.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About First Street
3,347 members and $58.2M in total assets sit behind First Street, a federal credit union in DERIDDER, Louisiana, which posts a health score of 93/100 (Excellent) on the five-factor composite, with $29.5M in outstanding loans as of Q4 2025 and a net worth ratio of 15.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #20417 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 60.63% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.07% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 1.06% on net income of $617K 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 0.69%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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–$100M71Health
- FIRST PIONEERSLAFAYETTE, LA · $50M–$100M70Health
- BATON ROUGE CITY PARISH EMPBATON ROUGE, LA · $50M–$100M83Health
- UNIVERSITY OF LOUISIANALafayette, LA · $50M–$100M84Health
- CALCASIEU TEACHERS AND EMPLOYEESLake Charles, LA · $50M–$100M87Health
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.04% 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 15.04% 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.
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.