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
Call Report peers
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G. C. a. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); G. C. a. sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Louisiana, St. Mary Parish School Emp. (#84) scores 74/100, 1 point higher; one place down, UNION (#86) ties at 73/100.
G. C. a.: 2025Q4 → 2026Q1
G. C. a.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.1% from $4.2M (2025Q4) to $4.1M (2026Q1).
- Net-worth ratio shifted +1.03 pp (29.27% → 30.30%).
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
G. C. a. gives up 27 points in total. Member Growth costs the most, 13.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is G. C. a. financially healthy?
G. C. a. has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,378 of 4,374 nationally on health and #85 of 138 in Louisiana. Its net worth ratio is 30.30% and its delinquency rate 1.39%.
How does G. C. a. compare to other credit unions?
G. C. a. scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (30.30% vs 19.06%). Its widest shortfall is loan-to-share ratio (33.41% vs 63.60%).
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.?
G. C. a. 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. G. C. a.'s net worth ratio of 30.30% 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.