Federal credit union · Geismar, Louisiana · NCUA charter #23620
Geismar Complex
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $42.8M
- Total assets
- 2,522
- Members
- 13.2%
- Net-worth ratio
Geismar Complex scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.8M; members 2,522; net-worth ratio 13.22%; health rank #366 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#366 of 4,374 health · 2025Q4Geismar Complex · health 95/100 · $42.8M · 2025Q4
- MEM 95/100
- RANK 13.2%
- PHOTO 0.74%
- BOOK 1.66%
- CHARTER $42.8M
- NCUSIF 2,522
- CAMELS #366/4,374
- HEALTH Mississippi National Guard
- NW 23620
Call Report peers
Geismar Complex in the assets neighbourhood
Geismar Complex's $42.8M assets sit next to Mississippi National Guard ($42.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Geismar Complex 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
95 Top 10% higher than 90% 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
Geismar Complex - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23620 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Geismar Complex diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 68.64% here, 59.80% peer average (+8.84 pp).
- Largest lag: Net Worth Ratio at 13.22% vs peer 14.86% (-1.64 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Geismar Complex in Louisiana
- Louisiana health ordinal: #11 of 138.
- By total assets, Geismar Complex is #54 of 138 in Louisiana.
- Membership ranks #67 of 138 among Louisiana CUs with a reported count (2,522 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.
Geismar Complex: 2025Q4 → 2026Q1
Geismar Complex: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $42.8M (2025Q4) to $43.2M (2026Q1).
- Net-worth ratio shifted +0.09 pp (13.13% → 13.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 14.4 pts
Geismar Complex vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.22% | -1.64 pp |
| Delinquency Rate | 0.74% | -0.40 pp |
| Return on Assets | 1.66% | +0.96 pp |
| Member Growth | 3.32% | - |
| Loan-to-Share Ratio | 68.64% | +8.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Geismar Complex filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.2M | - |
| 2025Q4 | $42.8M | 2,522 |
| 2024Q4 | $36.9M | 2,441 |
| 2023Q4 | $34.1M | 2,402 |
Credit Union Details
- Charter Number
- 23620
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Geismar
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Geismar Complex.
| Office | City |
|---|---|
| GCFCU (Main Office) | Geismar, 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.
Other-state peers near Geismar Complex
Two NCUA Call Report peer sets for Geismar Complex, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($42.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Geismar Complex ranks #366 of 4,374 nationally on financial health and #11 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 705 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 705
- 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 Geismar Complex financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Geismar Complex carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #366 of 4,374; by total assets it ranks #2,541 of 4,374 nationally (same basis as /rankings/largest); and #54 of 138 within Louisiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.22% net worth ratio and a 0.74% delinquency rate.
How does Geismar Complex compare to other credit unions?
95/100 is Geismar Complex's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Geismar Complex?
Geismar Complex 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 Geismar Complex directly for the exact boundaries and application steps.
Is my money safe at Geismar Complex?
Federal credit unions like Geismar Complex 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. Geismar Complex's net worth ratio of 13.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Geismar Complex offer compared to banks?
Credit unions like Geismar Complex 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 Geismar Complex 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.