Federal credit union · HOUMA, Louisiana · NCUA charter #20002
La Terre
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $25.1M
- Total assets
- 4,965
- Members
- 6.3%
- Net-worth ratio
La Terre scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.1M; members 4,965; net-worth ratio 6.30%; health rank #4,149 of 4,374; healthier than 5th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,149 of 4,374 health · 2025Q4La Terre · health 57/100 · $25.1M · 2025Q4
Call Report peers
La Terre in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
La Terre vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); La Terre sits in 55-59 with 115 others.
57 5th percentile higher than 5% 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
Where La Terre diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 93.97% here, 59.80% peer average (+34.17 pp).
- Widest shortfall vs peers is Net Worth Ratio: -8.56 pp (6.30% vs 14.86%).
La Terre: in-state Call Report ranks
- Health composite ranks #123 of 138 among scored Louisiana credit unions.
- Assets rank #66 of 138 inside Louisiana ($25.1M reported).
- Member book place in Louisiana: #44 of 138.
- One place up in Louisiana, Total Choice (#122) ties at 57/100; one place down, FELICIANA (#124) scores 56/100, 1 point lower.
How La Terre's 5300 filing moved
La Terre: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $25.1M (2025Q4) to $25.4M (2026Q1).
- Net-worth ratio shifted -0.18 pp (6.48% → 6.30%).
This institution's 6.30% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 57/100 score is built
La Terre gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 1.8.
- Net Worth Ratio 17.3 pts
- Delinquency Rate 20.1 pts
- Return on Assets 0.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 12.9 pts
La Terre health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.30% | -8.56 pp |
| Delinquency Rate | 0.99% | -0.15 pp |
| Return on Assets | -0.75% | -1.45 pp |
| Member Growth | -1.27% | - |
| Loan-to-Share Ratio | 93.97% | +34.17 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.4M | - |
| 2025Q4 | $25.1M | 4,965 |
| 2024Q4 | $25.5M | 5,029 |
| 2023Q4 | $27.6M | 5,163 |
Credit Union Details
- Charter Number
- 20002
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- HOUMA
- Data Quarter
- 2025Q4
Branch Location
La Terre operates a single office in Houma, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Downtown Office (Main Office) | Houma, 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.
La Terre nationwide neighbourhoods
Using this data
- La Terre ranks #4,149 of 4,374 nationally on financial health and #123 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Louisiana Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Louisiana Catholic
Frequently Asked Questions
Is La Terre financially healthy?
On its 2025Q4 NCUA 5300 filing, La Terre scores 57/100 (Fair), with a 6.30% net worth ratio and 0.99% of loans delinquent. It ranks #4,149 of 4,374 nationally on health and #123 of 138 in Louisiana.
How does La Terre compare to other credit unions?
La Terre scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (93.97% vs 59.80%). Its widest shortfall is net worth ratio (6.30% vs 14.86%).
How can I join La Terre?
La Terre 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 La Terre directly for the exact boundaries and application steps.
Is my money safe at La Terre?
La Terre 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 Terre's net worth ratio of 6.30% is relative to 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.