State credit union · LAMOURE, North Dakota · NCUA charter #62218
LAMOURE
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $39.9M
- Total assets
- 1,119
- Members
- 17.6%
- Net-worth ratio
LAMOURE scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.9M; members 1,119; net-worth ratio 17.64%; health rank #1,393 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,393 of 4,374 health · 2025Q4LAMOURE · health 88/100 · $39.9M · 2025Q4
- CHARTER 88/100
- NCUSIF 17.6%
- CAMELS 0.00%
- HEALTH 2.43%
- NW $39.9M
- DELQ 1,119
- ROA #1,393/4,374
- ASSETS Organized Labor
- MEM 62218
Call Report peers
LAMOURE in the assets neighbourhood
LAMOURE's $39.9M assets sit next to Organized Labor ($40.0M) 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.
LAMOURE 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
88 Top 35% higher than 65% 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
LAMOURE - Share Insurance Coverage
Charter #62218'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.
LAMOURE vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.78 pp (17.64% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 54.53% vs peer 59.80% (-5.27 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where LAMOURE sits in North Dakota
- In North Dakota, health place is #10 of 29 on the same NCUA-ratio sort used nationally.
- North Dakota assets place: #17 of 29.
- North Dakota membership ordinal: #25 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LAMOURE: 2025Q4 → 2026Q1
LAMOURE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $39.9M (2025Q4) to $40.6M (2026Q1).
- Net-worth ratio shifted +0.11 pp (17.53% → 17.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.64% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 12.0 pts
LAMOURE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.64% | +2.78 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 2.43% | +1.72 pp |
| Member Growth | -1.67% | - |
| Loan-to-Share Ratio | 54.53% | -5.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
LAMOURE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.6M | - |
| 2025Q4 | $39.9M | 1,119 |
| 2024Q4 | $37.9M | 1,138 |
| 2023Q4 | $34.9M | 1,144 |
Credit Union Details
- Charter Number
- 62218
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- LAMOURE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for LAMOURE, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| LaMoure Credit Union (Main Office) | LaMoure, ND |
| FINASTRA | Clive, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Other-state peers near LAMOURE
LAMOURE's nationwide photo peers by assets and by health score, excluding North Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($39.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- LAMOURE ranks #1,393 of 4,374 nationally on financial health and #10 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNIVERSITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNIVERSITY
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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 LAMOURE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, LAMOURE carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,393 of 4,374; by total assets it ranks #2,606 of 4,374 nationally (same basis as /rankings/largest); and #17 of 29 within North Dakota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.64% net worth ratio and a 0.00% delinquency rate.
How does LAMOURE compare to other credit unions?
On PlainCU's health composite, LAMOURE lands at 88/100, compared to a peer group average for $10M–$50M 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 LAMOURE?
Membership eligibility for LAMOURE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LAMOURE directly for current membership requirements and application steps.
Is my money safe at LAMOURE?
Federal credit unions like LAMOURE 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. LAMOURE's net worth ratio of 17.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LAMOURE offer compared to banks?
Credit unions like LAMOURE 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 LAMOURE 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.