Federal credit union · ROCKVILLE, Maryland · NCUA charter #619
Lafayette
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $2.15B
- Total assets
- 56,832
- Members
- 10.9%
- Net-worth ratio
Lafayette - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #619, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Lafayette - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)34
- Earnings (ROA)68
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.89% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.89% | 30% |
| Delinquency Rate | 2.66% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -1.10% | 15% |
| Loan-to-Share Ratio | 81.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.15B | 56,832 |
| 2024Q4 | $2.00B | 57,462 |
| 2023Q4 | $1.96B | 57,078 |
Credit Union Details
- Charter Number
- 619
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Maryland
- City
- ROCKVILLE
- Data Quarter
- 2025Q4
What This Data Says About Lafayette
Lafayette is a federal credit union headquartered in ROCKVILLE, Maryland, serving 56,832 members with $2.15B in total assets and $1.52B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 71/100 (Very Good), anchored by a net worth ratio of 10.89% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #619 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 2.66% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 81.17% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.18% on net income of $3.9M 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 -1.10%. 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 Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
- ANDREWS FEDERAL CREDIT UNIONSuitland, MD · Over $500M85Health
- ABERDEEN PROVING GROUNDABERDEEN, MD · Over $500M94Health
- FIRST FINANCIAL OF MARYLANDSparks, MD · Over $500M94Health
- EDUCATIONAL SYSTEMSGreenbelt, MD · Over $500M84Health
- MUNICIPAL EMPL.CREDIT UNION OF BALTBALTIMORE, MD · Over $500M70Health
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 Lafayette financially healthy?
A 10.89% net worth ratio and a 2.66% delinquency rate feed into Lafayette's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lafayette compare to other credit unions?
PlainCU's health composite puts Lafayette at 71/100, compared to a peer group average for Over $500M 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 Lafayette?
Lafayette 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 Lafayette directly for the current list of qualifying groups.
Is my money safe at Lafayette?
Federal credit unions like Lafayette 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. Lafayette's net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lafayette offer compared to banks?
Credit unions like Lafayette 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 Lafayette 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.