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
Call Report peers
First Street in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); First Street sits in 90-94 with 747 others.
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
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).
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.
- One place up in Louisiana, Professional Fire Fighters (#14) ties at 93/100; one place down, Bayou Community (#16) ties at 93/100.
How First Street's 5300 filing moved
First Street: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $58.2M (2025Q4) to $60.3M (2026Q1).
- Net-worth ratio shifted -0.23 pp (16.27% → 16.04%).
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
First Street gives up 7 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is First Street financially healthy?
On its 2025Q4 NCUA 5300 filing, First Street scores 93/100 (Excellent), with a 16.04% net worth ratio and 0.07% of loans delinquent. It ranks #588 of 4,374 nationally on health and #15 of 138 in Louisiana.
How does First Street compare to other credit unions?
First Street scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (16.04% vs 13.62%). Its widest shortfall is loan-to-share ratio (60.63% vs 62.60%).
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?
First Street 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. First Street's net worth ratio of 16.04% 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.