State credit union · Antonito, Colorado · NCUA charter #65471
Guadalupe Parish
Health score 100/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $41.5M
- Total assets
- 3,791
- Members
- 24.6%
- Net-worth ratio
Guadalupe Parish - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65471. See our deposit-insurance coverage note.
Guadalupe Parish - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 100/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
24.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.57% | 30% |
| Delinquency Rate | 0.26% | 25% |
| Return on Assets | 0.92% | 15% |
| Member Growth | 8.10% | 15% |
| Loan-to-Share Ratio | 84.16% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $41.5M | 3,791 |
| 2024Q4 | $39.9M | 3,507 |
| 2023Q4 | $38.2M | 3,463 |
Credit Union Details
- Charter Number
- 65471
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Colorado
- City
- Antonito
- Data Quarter
- 2025Q4
What This Data Says About Guadalupe Parish
The five-factor composite scores Guadalupe Parish at 100/100 (Excellent), reflecting a net worth ratio of 24.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Antonito, Colorado, reports 3,791 members, $41.5M in total assets, and $26.2M in outstanding loans as of Q4 2025 under charter #65471 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Deposits deployed into lending sit at a 84.16% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.26% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.92% on net income of $382K 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 8.10%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) 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 Colorado
More federally-insured credit unions based in Colorado, 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 Guadalupe Parish financially healthy?
Guadalupe Parish has a financial health score of 100/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 24.57% and delinquency rate of 0.26%.
How does Guadalupe Parish compare to other credit unions?
Guadalupe Parish scores 100/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Guadalupe Parish?
Membership eligibility for Guadalupe Parish depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Guadalupe Parish directly for current membership requirements and application steps.
Is my money safe at Guadalupe Parish?
Federal credit unions like Guadalupe Parish 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. Guadalupe Parish's net worth ratio of 24.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Guadalupe Parish offer compared to banks?
Credit unions like Guadalupe Parish 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 Guadalupe Parish 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.