State credit union · LAMOURE, North Dakota · NCUA charter #62218
Lamoure
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $39.9M
- Total assets
- 1,119
- Members
- 16.6%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth40
- Liquidity (loan-to-share)77
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.56% 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 | 16.56% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 2.43% | 15% |
| Member Growth | -1.67% | 15% |
| Loan-to-Share Ratio | 54.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Lamoure
Headquartered in LAMOURE, North Dakota, Lamoure is a state credit union with 1,119 members, $39.9M in total assets, and $17.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 16.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62218 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 54.53% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.43% on net income of $970K 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 -1.67%. 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: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.56% 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 16.56% 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.
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.