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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,627 of 4,374 health · 2025Q4James Ward, Jr. · health 69/100 · $1.9M · 2025Q4
- DELQ 69/100
- ROA 32.9%
- ASSETS 5.61%
- MEM 1.40%
- RANK $1.9M
- PHOTO 483
- BOOK #3,627/4,374
- CHARTER n/a
- NCUSIF 14537
Call Report peers
James Ward, Jr. carries $1.9M 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.
James Ward, Jr. 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
69 16th percentile higher than 16% 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
James Ward, Jr. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14537 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
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 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).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
James Ward, Jr.: 2025Q4 → 2026Q1
James Ward, Jr.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $1.9M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted -0.59 pp (33.51% → 32.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- 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 |
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 - 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.
Cross-state asset and health neighbours for James Ward, Jr. - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
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
- 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 James Ward, Jr. financially healthy?
A 32.92% net worth ratio and a 5.61% delinquency rate feed into James Ward, Jr.'s financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,627 of 4,374; by total assets it ranks #4,142 of 4,374 nationally (same basis as /rankings/largest); and #119 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does James Ward, Jr. compare to other credit unions?
On PlainCU's health composite, James Ward, Jr. lands at 69/100, 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 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.?
Federal credit unions like James Ward, Jr. 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. James Ward, Jr.'s net worth ratio of 32.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does James Ward, Jr. offer compared to banks?
Credit unions like James Ward, Jr. 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 James Ward, Jr. 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.