Federal credit union · BATON ROUGE, Louisiana · NCUA charter #14568
La Capitol
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $785.9M
- Total assets
- 51,861
- Members
- 12.9%
- Net-worth ratio
La Capitol scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $785.9M; members 51,861; net-worth ratio 12.87%; health rank #2,428 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,428 of 4,374 health · 2025Q4La Capitol · health 82/100 · $785.9M · 2025Q4
- BOOK 82/100
- CHARTER 12.9%
- NCUSIF 1.45%
- CAMELS 0.67%
- HEALTH $785.9M
- NW 51,861
- DELQ #2,428/4,374
- ROA DIRECT
- ASSETS 14568
Call Report peers
La Capitol in the assets neighbourhood
La Capitol's $785.9M assets sit next to DIRECT ($785.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
La Capitol 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
82 43rd percentile higher than 43% 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
La Capitol - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14568 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
La Capitol: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +7.96 pp (91.86% vs 83.90%).
- Delinquency Rate trails the peer set - 1.45% here, 0.87% peer average (+0.58 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
La Capitol in Louisiana
- In Louisiana, health place is #54 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #7 of 138 inside Louisiana ($785.9M reported).
- Member book place in Louisiana: #6 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.
La Capitol Call Report trajectory
La Capitol: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $785.9M (2025Q4) to $799.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (12.88% → 12.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.6 pts
- Return on Assets 15.0 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 14.5 pts
La Capitol health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.87% | +1.69 pp |
| Delinquency Rate | 1.45% | +0.58 pp |
| Return on Assets | 0.67% | +0.16 pp |
| Member Growth | -1.74% | - |
| Loan-to-Share Ratio | 91.86% | +7.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
La Capitol filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $799.7M | - |
| 2025Q4 | $785.9M | 51,861 |
| 2024Q4 | $765.4M | 52,781 |
| 2023Q4 | $765.8M | 53,936 |
Credit Union Details
- Charter Number
- 14568
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Louisiana
- City
- BATON ROUGE
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for La Capitol, spread across 11 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Baton Rouge, LA |
| Alexandria | Alexandria, LA |
| Florida Blvd | Baton Rouge, LA |
| ONeal Ofice | Baton Rouge, LA |
| Siegen Lane | Baton Rouge, LA |
| Hammond | Hammond, LA |
| Westbank | Harvey, LA |
| Houma | Houma, LA |
| Metairie | Metairie, LA |
| Monroe | Monroe, LA |
| ULM | Monroe, LA |
| Natchitoches | Natchitoches, LA |
| Oakdale | Oakdale, LA |
| Pineville | Pineville, LA |
| Ruston | Ruston, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
Cross-state Call Report peers for La Capitol
Two NCUA Call Report peer sets for La Capitol, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($785.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- La Capitol ranks #2,428 of 4,374 nationally on financial health and #54 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PELICAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PELICAN
- 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 La Capitol financially healthy?
A 12.87% net worth ratio and a 1.45% delinquency rate feed into La Capitol's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,428 of 4,374; by total assets it ranks #563 of 4,374 nationally (same basis as /rankings/largest); and #7 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does La Capitol compare to other credit unions?
On PlainCU's health composite, La Capitol lands at 82/100, compared to a peer group average for Over $500M 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 La Capitol?
La Capitol 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 La Capitol directly for the current list of qualifying groups.
Is my money safe at La Capitol?
Federal credit unions like La Capitol 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. La Capitol's net worth ratio of 12.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does La Capitol offer compared to banks?
Credit unions like La Capitol 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 La Capitol 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.