State credit union · Lafayette, Louisiana · NCUA charter #63143
Immaculate Heart of Mary
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $625K
- Total assets
- 353
- Members
- 31.0%
- Net-worth ratio
Immaculate Heart of Mary scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $625K; members 353; net-worth ratio 30.96%; health rank #4,172 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,172 of 4,374 health · 2025Q4Immaculate Heart of Mary · health 55/100 · $625K · 2025Q4
- PHOTO 55/100
- BOOK 31.0%
- CHARTER 9.83%
- NCUSIF 0.76%
- CAMELS $625K
- HEALTH 353
- NW #4,172/4,374
- DELQ n/a
- ROA 63143
Call Report peers
Immaculate Heart of Mary carries $625K 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.
Immaculate Heart of Mary 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
55 4th percentile higher than 4% 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
Immaculate Heart of Mary - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63143 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Immaculate Heart of Mary: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 30.96% vs peer 22.93% (+8.03 pp).
- Largest lag: Loan-to-Share Ratio at 43.11% vs peer 52.70% (-9.59 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Louisiana standing for Immaculate Heart of Mary
- Louisiana health ordinal: #125 of 138.
- By total assets, Immaculate Heart of Mary is #130 of 138 in Louisiana.
- Louisiana membership ordinal: #123 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.
How Immaculate Heart of Mary's 5300 filing moved
Immaculate Heart of Mary: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $625K (2025Q4) to $615K (2026Q1).
- Net-worth ratio shifted +0.57 pp (30.39% → 30.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
30.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Immaculate Heart of Mary vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.96% | +8.03 pp |
| Delinquency Rate | 9.83% | +5.35 pp |
| Return on Assets | 0.76% | +0.54 pp |
| Member Growth | -5.61% | - |
| Loan-to-Share Ratio | 43.11% | -9.59 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $615K | - |
| 2025Q4 | $625K | 353 |
| 2024Q4 | $631K | 374 |
| 2023Q4 | $676K | 375 |
Credit Union Details
- Charter Number
- 63143
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Louisiana
- City
- Lafayette
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Immaculate Heart of Mary runs one office.
| Office | City |
|---|---|
| IHM Credit Union (Main Office) | Lafayette, 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.
Immaculate Heart of Mary nationwide neighbourhoods
Cross-state asset and health neighbours for Immaculate Heart of Mary - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- Immaculate Heart of Mary ranks #4,172 of 4,374 nationally on financial health and #125 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Municipal Employees
- 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 Immaculate Heart of Mary financially healthy?
Yes/no aside, the number is 55/100 (Fair) - Immaculate Heart of Mary's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,172 of 4,374; by total assets it ranks #4,278 of 4,374 nationally (same basis as /rankings/largest); and #130 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 30.96% net worth ratio and 9.83% delinquency rate are the key drivers.
How does Immaculate Heart of Mary compare to other credit unions?
On PlainCU's health composite, Immaculate Heart of Mary lands at 55/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Immaculate Heart of Mary?
Membership eligibility for Immaculate Heart of Mary depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Immaculate Heart of Mary directly for current membership requirements and application steps.
Is my money safe at Immaculate Heart of Mary?
Federal credit unions like Immaculate Heart of Mary 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. Immaculate Heart of Mary's net worth ratio of 30.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Immaculate Heart of Mary offer compared to banks?
Credit unions like Immaculate Heart of Mary 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 Immaculate Heart of Mary 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.