Federal credit union · PINEVILLE, Louisiana · NCUA charter #10164
Heart of Louisiana
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $141.5M
- Total assets
- 16,347
- Members
- 16.2%
- Net-worth ratio
Heart of Louisiana scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $141.5M; members 16,347; net-worth ratio 16.21%; health rank #741 of 4,374; healthier than 80th of scored peers.
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#741 of 4,374 health · 2025Q4Heart of Louisiana · health 92/100 · $141.5M · 2025Q4
Call Report peers
Heart of Louisiana in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Heart of Louisiana vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heart of Louisiana sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Heart of Louisiana: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +4.10 pp (16.21% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 65.52% here, 72.20% peer average (-6.68 pp).
Heart of Louisiana in Louisiana
- Health composite ranks #19 of 138 among scored Louisiana credit unions.
- By total assets, Heart of Louisiana is #24 of 138 in Louisiana.
- Membership ranks #19 of 138 among Louisiana CUs with a reported count (16,347 members).
- One place up in Louisiana, New Orleans Police Department Emp. (#18) ties at 92/100; one place down, District 62 Highway (#20) ties at 92/100.
How Heart of Louisiana's 5300 filing moved
Heart of Louisiana: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $141.5M (2025Q4) to $146.4M (2026Q1).
- Net-worth ratio shifted -0.46 pp (16.67% → 16.21%).
16.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Heart of Louisiana gives up 8 points in total. Member Growth costs the most, 7.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for Heart of Louisiana
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.21% | +4.10 pp |
| Delinquency Rate | 0.41% | -0.48 pp |
| Return on Assets | 1.24% | +0.62 pp |
| Member Growth | -0.81% | - |
| Loan-to-Share Ratio | 65.52% | -6.68 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Heart of Louisiana filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $146.4M | - |
| 2025Q4 | $141.5M | 16,347 |
| 2024Q4 | $132.4M | 16,480 |
| 2023Q4 | $132.2M | 16,458 |
Credit Union Details
- Charter Number
- 10164
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- PINEVILLE
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Heart of Louisiana runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Pineville, LA |
| Coliseum | Alexandria, LA |
| Commerce | Alexandria, LA |
| Avoyelles | Marksville, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Heart of Louisiana ranks #741 of 4,374 nationally on financial health and #19 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- XPLORE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with XPLORE
Frequently Asked Questions
Is Heart of Louisiana financially healthy?
Heart of Louisiana has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #741 of 4,374 nationally on health and #19 of 138 in Louisiana. Its net worth ratio is 16.21% and its delinquency rate 0.41%.
How does Heart of Louisiana compare to other credit unions?
Heart of Louisiana scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.21% vs 12.11%). Its widest shortfall is loan-to-share ratio (65.52% vs 72.20%).
How can I join Heart of Louisiana?
Heart of Louisiana serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Heart of Louisiana directly for the current list of qualifying groups.
Is my money safe at Heart of Louisiana?
Heart of Louisiana 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. Heart of Louisiana's net worth ratio of 16.21% 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.