Federal credit union · New Orleans, Louisiana · NCUA charter #7045
Judicial & Justice
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $1.6M
- Total assets
- 373
- Members
- 10.6%
- Net-worth ratio
Judicial & Justice - Share Insurance Coverage
Charter #7045's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Judicial & Justice - 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)37
- Earnings (ROA)81
- Member growth23
- Liquidity (loan-to-share)62
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.55% | 30% |
| Delinquency Rate | 2.53% | 25% |
| Return on Assets | 0.31% | 15% |
| Member Growth | -3.12% | 15% |
| Loan-to-Share Ratio | 36.84% | 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 | $1.6M | 373 |
| 2024Q4 | $1.6M | 385 |
| 2023Q4 | $1.7M | 396 |
Credit Union Details
- Charter Number
- 7045
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Louisiana
- City
- New Orleans
- Data Quarter
- 2025Q4
What This Data Says About Judicial & Justice
373 members and $1.6M in total assets sit behind Judicial & Justice, a federal credit union in New Orleans, Louisiana, which posts a health score of 64/100 (Good) on the five-factor composite, with $541K in outstanding loans as of Q4 2025 and a net worth ratio of 10.55% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #7045 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.53% 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 tighter than peers. The loan-to-share ratio of 36.84% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.31% 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 -3.12%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Judicial & Justice financially healthy?
Judicial & Justice scores 64/100 (Good) 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 10.55% net worth ratio and a 2.53% delinquency rate.
How does Judicial & Justice compare to other credit unions?
PlainCU's health composite puts Judicial & Justice at 64/100, 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 Judicial & Justice?
Judicial & Justice 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 Judicial & Justice directly for the current list of qualifying groups.
Is my money safe at Judicial & Justice?
Federal credit unions like Judicial & Justice 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. Judicial & Justice's net worth ratio of 10.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Judicial & Justice offer compared to banks?
Credit unions like Judicial & Justice 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 Judicial & Justice 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.