Federal credit union · LAKE CHARLES, Louisiana · NCUA charter #20529
G. C. a.
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $4.2M
- Total assets
- 782
- Members
- 30.3%
- Net-worth ratio
G. C. a. scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.2M; members 782; net-worth ratio 30.30%; health rank #3,378 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,378 of 4,374 health · 2025Q4G. C. a. · health 73/100 · $4.2M · 2025Q4
- ROA 73/100
- ASSETS 30.3%
- MEM 1.39%
- RANK 1.28%
- PHOTO $4.2M
- BOOK 782
- CHARTER #3,378/4,374
- NCUSIF n/a
- CAMELS 20529
Call Report peers
G. C. a. carries $4.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
G. C. a. 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
73 21st percentile higher than 21% 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
G. C. a. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20529 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where G. C. a. diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 30.30% vs peer 19.06% (+11.24 pp).
- Largest lag: Loan-to-Share Ratio at 33.41% vs peer 63.60% (-30.19 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where G. C. a. sits in Louisiana
- Health composite ranks #85 of 138 among scored Louisiana credit unions.
- By total assets, G. C. a. is #107 of 138 in Louisiana.
- Membership ranks #107 of 138 among Louisiana CUs with a reported count (782 members).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
G. C. a.: 2025Q4 → 2026Q1
G. C. a.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.1% from $4.2M (2025Q4) to $4.1M (2026Q1).
- Net-worth ratio shifted +1.03 pp (29.27% → 30.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 30.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 15.0 pts
- Member Growth 1.7 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.30% | +11.24 pp |
| Delinquency Rate | 1.39% | -0.42 pp |
| Return on Assets | 1.28% | +0.83 pp |
| Member Growth | -4.05% | - |
| Loan-to-Share Ratio | 33.41% | -30.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
G. C. a. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.1M | - |
| 2025Q4 | $4.2M | 782 |
| 2024Q4 | $4.5M | 815 |
| 2023Q4 | $4.6M | 898 |
Credit Union Details
- Charter Number
- 20529
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- LAKE CHARLES
- Data Quarter
- 2025Q4
Branch Location
G. C. a. operates a single office in Lake Charles, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Lake Charles, 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.
G. C. a. nationwide neighbourhoods
Two NCUA Call Report peer sets for G. C. a., both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- G. C. a. ranks #3,378 of 4,374 nationally on financial health and #85 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- S H P E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with S H P E
- 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 G. C. a. financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - G. C. a.'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 #3,378 of 4,374; by total assets it ranks #3,956 of 4,374 nationally (same basis as /rankings/largest); and #107 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 30.30% net worth ratio and 1.39% delinquency rate are the key drivers.
How does G. C. a. compare to other credit unions?
Five weighted metrics from NCUA filings produce G. C. a.'s 73/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 G. C. a.?
G. C. a. 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 G. C. a. directly for the exact boundaries and application steps.
Is my money safe at G. C. a.?
Federal credit unions like G. C. a. 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. G. C. a.'s net worth ratio of 30.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does G. C. a. offer compared to banks?
Credit unions like G. C. a. 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 G. C. a. 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.