Federal credit union · JENNINGS, Louisiana · NCUA charter #14537
James Ward, Jr.
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.9M
- Total assets
- 483
- Members
- 32.9%
- Net-worth ratio
James Ward, Jr. scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.9M; members 483; net-worth ratio 32.92%; health rank #3,627 of 4,374; healthier than 16th of scored peers.
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#3,627 of 4,374 health · 2025Q4James Ward, Jr. · health 69/100 · $1.9M · 2025Q4
Call Report peers
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James Ward, Jr. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); James Ward, Jr. sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where James Ward, Jr. diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 91.98% vs peer 52.70% (+39.28 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.13 pp (5.61% vs 4.48%).
Louisiana standing for James Ward, Jr.
- Louisiana health ordinal: #95 of 138.
- Assets rank #119 of 138 inside Louisiana ($1.9M reported).
- Membership ranks #119 of 138 among Louisiana CUs with a reported count (483 members).
- One place up in Louisiana, Washington Educational Assoc (#94) scores 70/100, 1 point higher; one place down, Shreveport Police (#96) ties at 69/100.
James Ward, Jr.: 2025Q4 → 2026Q1
James Ward, Jr.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $1.9M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted -0.59 pp (33.51% → 32.92%).
32.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
James Ward, Jr. gives up 31 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.92% | +9.99 pp |
| Delinquency Rate | 5.61% | +1.13 pp |
| Return on Assets | 1.40% | +1.18 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 91.98% | +39.28 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - James Ward, Jr.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.9M | - |
| 2025Q4 | $1.9M | 483 |
| 2024Q4 | $2.0M | 481 |
| 2023Q4 | $2.0M | 479 |
Credit Union Details
- Charter Number
- 14537
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Louisiana
- City
- JENNINGS
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for James Ward, Jr., spread across 2 cities.
| Office | City |
|---|---|
| JAMES WARD JR. FCU (Main Office) | Jennings, LA |
| JEFF DAVIS BANK | Jennings, LA |
| CADDO TEACHER F.C.U. | SHREVEPORT, 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.
Other-state peers near James Ward, Jr.
Using this data
- James Ward, Jr. ranks #3,627 of 4,374 nationally on financial health and #95 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arabi Sugar Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arabi Sugar Workers
Frequently Asked Questions
Is James Ward, Jr. financially healthy?
On its 2025Q4 NCUA 5300 filing, James Ward, Jr. scores 69/100 (Good), with a 32.92% net worth ratio and 5.61% of loans delinquent. It ranks #3,627 of 4,374 nationally on health and #95 of 138 in Louisiana.
How does James Ward, Jr. compare to other credit unions?
James Ward, Jr. scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (91.98% vs 52.70%). Its widest shortfall is delinquency rate (5.61% vs 4.48%).
How can I join James Ward, Jr.?
James Ward, Jr. operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact James Ward, Jr. directly for the exact boundaries and application steps.
Is my money safe at James Ward, Jr.?
James Ward, Jr. 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. James Ward, Jr.'s net worth ratio of 32.92% 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.