State credit union · Lafayette, Louisiana · NCUA charter #63143
Immaculate Heart of Mary
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $625K
- Total assets
- 353
- Members
- 20.0%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)66
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
20.04% 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 | 20.04% | 30% |
| Delinquency Rate | 9.83% | 25% |
| Return on Assets | 0.76% | 15% |
| Member Growth | -5.61% | 15% |
| Loan-to-Share Ratio | 43.11% | 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 | $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
What This Data Says About Immaculate Heart of Mary
353 members and $625K in total assets sit behind Immaculate Heart of Mary, a state credit union in Lafayette, Louisiana, which posts a health score of 55/100 (Fair) on the five-factor composite, with $186K in outstanding loans as of Q4 2025 and a net worth ratio of 20.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63143 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
9.83% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 43.11% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.76% on net income of $5K 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 -5.61%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.04% 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 20.04% 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.
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.