Federal credit union · amite, Louisiana · NCUA charter #7877
Fourth Ward
Health score 35/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 35
- Health / 100
- $902K
- Total assets
- 225
- Members
- 0.0%
- Net-worth ratio
Fourth Ward - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7877. See our deposit-insurance coverage note.
Fourth Ward - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)0
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth44
- Liquidity (loan-to-share)90
Weighted composite: 35/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 0.00% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.00% | 30% |
| Delinquency Rate | 10.17% | 25% |
| Return on Assets | 3.75% | 15% |
| Member Growth | -1.32% | 15% |
| Loan-to-Share Ratio | 63.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $902K | 225 |
| 2024Q4 | $1.0M | 228 |
| 2023Q4 | $994K | 211 |
Credit Union Details
- Charter Number
- 7877
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Louisiana
- City
- amite
- Data Quarter
- 2025Q4
What This Data Says About Fourth Ward
Headquartered in amite, Louisiana, Fourth Ward is a federal credit union with 225 members, $902K in total assets, and $496K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 35/100 (Weak), driven in part by a net worth ratio of 0.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #7877 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 10.17% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. The loan-to-share ratio of 63.31% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 3.75% on net income of $34K 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 -1.32%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
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 Fourth Ward financially healthy?
Yes/no aside, the number is 35/100 (Weak) - Fourth Ward's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 0.00% net worth ratio and 10.17% delinquency rate are the key drivers.
How does Fourth Ward compare to other credit unions?
Five weighted metrics from NCUA filings produce Fourth Ward's 35/100 score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Fourth Ward?
Fourth Ward 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 Fourth Ward directly for the exact boundaries and application steps.
Is my money safe at Fourth Ward?
Federal credit unions like Fourth Ward 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. Fourth Ward's net worth ratio of 0.00% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Fourth Ward offer compared to banks?
Credit unions like Fourth Ward 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 Fourth Ward 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.