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
Call Report peers
La Capitol in the assets neighbourhood
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La Capitol vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); La Capitol sits in 80-84 with 767 others.
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: 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).
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.
- One place up in Louisiana, Alexandria Municipal Employees (#53) ties at 82/100; one place down, T E a (#55) ties at 82/100.
La Capitol Call Report trajectory
La Capitol: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $785.9M (2025Q4) to $799.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (12.88% → 12.87%).
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
La Capitol gives up 18 points in total. Member Growth costs the most, 9.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is La Capitol financially healthy?
On its 2025Q4 NCUA 5300 filing, La Capitol scores 82/100 (Excellent), with a 12.87% net worth ratio and 1.45% of loans delinquent. It ranks #2,428 of 4,374 nationally on health and #54 of 138 in Louisiana.
How does La Capitol compare to other credit unions?
La Capitol scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.86% vs 83.90%). Its widest shortfall is delinquency rate (1.45% vs 0.87%).
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?
La Capitol 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. La Capitol's net worth ratio of 12.87% 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.