Federal credit union · New Iberia, Louisiana · NCUA charter #4416
Iberia Parish
Health score 44/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 44
- Health / 100
- $206K
- Total assets
- 245
- Members
- 38.6%
- Net-worth ratio
Iberia Parish scores 44/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $206K; members 245; net-worth ratio 38.62%; health rank #4,318 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,318 of 4,374 health · 2025Q4Iberia Parish · health 44/100 · $206K · 2025Q4
- NCUSIF 44/100
- CAMELS 38.6%
- HEALTH 4.51%
- NW -8.40%
- DELQ $206K
- ROA 245
- ASSETS #4,318/4,374
- MEM n/a
- RANK 4416
Call Report peers
Iberia Parish carries $206K 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.
Iberia Parish 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
44 1st percentile higher than 1% 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
Iberia Parish - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4416: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Iberia Parish
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +15.69 pp (38.62% vs 22.93%).
- Widest shortfall vs peers is Return on Assets: -8.62 pp (-8.40% vs 0.22%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Iberia Parish in Louisiana
- In Louisiana, health place is #132 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #138 of 138 inside Louisiana ($206K reported).
- Louisiana membership ordinal: #130 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Iberia Parish
Iberia Parish: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.8% from $206K (2025Q4) to $202K (2026Q1).
- Net-worth ratio shifted -5.12 pp (43.74% → 38.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 38.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 44/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 44.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
Iberia Parish health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 38.62% | +15.69 pp |
| Delinquency Rate | 4.51% | +0.03 pp |
| Return on Assets | -8.40% | -8.62 pp |
| Member Growth | -9.59% | - |
| Loan-to-Share Ratio | 65.64% | +12.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Iberia Parish
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $202K | - |
| 2025Q4 | $206K | 245 |
| 2024Q4 | $235K | 271 |
| 2023Q4 | $263K | 271 |
Credit Union Details
- Charter Number
- 4416
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- Under $2M
- State
- Louisiana
- City
- New Iberia
- Data Quarter
- 2025Q4
Branch Locations (2)
Iberia Parish operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | New Iberia, LA |
| FedComp | Fairfax, VA |
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Iberia Parish, 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 (44/100 here).
Using this data
- Iberia Parish ranks #4,318 of 4,374 nationally on financial health and #132 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COGIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COGIC
- 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 Iberia Parish financially healthy?
Iberia Parish scores 44/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,318 of 4,374; by total assets it ranks #4,344 of 4,374 nationally (same basis as /rankings/largest); and #138 of 138 within Louisiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 38.62% net worth ratio and a 4.51% delinquency rate.
How does Iberia Parish compare to other credit unions?
PlainCU's health composite puts Iberia Parish at 44/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Iberia Parish?
Iberia Parish 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 Iberia Parish directly for the current list of qualifying groups.
Is my money safe at Iberia Parish?
Federal credit unions like Iberia 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. Iberia Parish's net worth ratio of 38.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Iberia Parish offer compared to banks?
Credit unions like Iberia 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 Iberia Parish 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.