Federal credit union · New Iberia, Louisiana · NCUA charter #4416
Iberia Parish
Health score 44/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 44
- Health / 100
- $206K
- Total assets
- 245
- Members
- 43.7%
- Net-worth ratio
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.
Iberia Parish - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)93
Weighted composite: 44/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 43.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 43.74% | 30% |
| Delinquency Rate | 4.51% | 25% |
| Return on Assets | -8.40% | 15% |
| Member Growth | -9.59% | 15% |
| Loan-to-Share Ratio | 65.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Iberia Parish
Charter #4416, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Iberia Parish, a federal credit union in New Iberia, Louisiana with 245 members, $206K in total assets, and $89K in outstanding loans as of Q4 2025. The five-factor composite scores it 44/100 (Below Average), helped by a net worth ratio of 43.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 4.51% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. The loan-to-share ratio of 65.64% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -8.40% on net income of $-17275 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 -9.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Association/Group) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group 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 Iberia Parish financially healthy?
Iberia Parish scores 44/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 43.74% 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 43.74% 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.
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.