State credit union · HARAHAN, Louisiana · NCUA charter #61724
Louisiana Central
Health score 32/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 32
- Health / 100
- $9.8M
- Total assets
- 1,941
- Members
- 0.3%
- Net-worth ratio
Louisiana Central scores 32/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.8M; members 1,941; net-worth ratio 0.32%; health rank #4,366 of 4,374; healthier than 0th of scored peers.
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NCUA 5300 Call Report Masthead
#4,366 of 4,374 health · 2025Q4Louisiana Central · health 32/100 · $9.8M · 2025Q4
Call Report peers
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Louisiana Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Louisiana Central sits in 30-34 with 8 others.
32 0th percentile in the bottom 1% 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
Peer-gap read for Louisiana Central
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +6.10 pp (69.70% vs 63.60%).
- Largest lag: Net Worth Ratio at 0.32% vs peer 19.06% (-18.74 pp).
Louisiana Central: in-state Call Report ranks
- Louisiana health ordinal: #137 of 138.
- Assets rank #85 of 138 inside Louisiana ($9.8M reported).
- Louisiana membership ordinal: #74 of 138.
- One place up in Louisiana, Graphic Arts (#136) scores 37/100, 5 points higher; one place down, West Monroe (#138) scores 27/100, 5 points lower.
Louisiana Central: 2025Q4 → 2026Q1
Louisiana Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.0% from $9.8M (2025Q4) to $9.6M (2026Q1).
- Net-worth ratio shifted -4.87 pp (5.19% → 0.32%).
0.32% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 32/100 score is built
Louisiana Central gives up 68 points in total. Net Worth Ratio costs the most, 29.2 of its 30; Loan-to-Share Ratio loses the least, 0.1.
- Net Worth Ratio 0.8 pts
- Delinquency Rate 15.9 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Louisiana Central
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 0.32% | -18.74 pp |
| Delinquency Rate | 1.54% | -0.27 pp |
| Return on Assets | -0.70% | -1.15 pp |
| Member Growth | -5.87% | - |
| Loan-to-Share Ratio | 69.70% | +6.10 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Louisiana Central filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.6M | - |
| 2025Q4 | $9.8M | 1,941 |
| 2024Q4 | $10.6M | 2,062 |
| 2023Q4 | $12.1M | 2,175 |
Credit Union Details
- Charter Number
- 61724
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- HARAHAN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Louisiana Central runs one office.
| Office | City |
|---|---|
| Louisiana Central Credit Union (Main Office) | Harahan, 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.
Cross-state Call Report peers for Louisiana Central
Similar health score
Using this data
- Louisiana Central ranks #4,366 of 4,374 nationally on financial health and #137 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- District 08 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with District 08
Frequently Asked Questions
Is Louisiana Central financially healthy?
On its 2025Q4 NCUA 5300 filing, Louisiana Central scores 32/100 (Weak), with a 0.32% net worth ratio and 1.54% of loans delinquent. It ranks #4,366 of 4,374 nationally on health and #137 of 138 in Louisiana.
How does Louisiana Central compare to other credit unions?
Louisiana Central scores 32/100, higher than 0% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (69.70% vs 63.60%). Its widest shortfall is net worth ratio (0.32% vs 19.06%).
How can I join Louisiana Central?
Membership eligibility for Louisiana Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Louisiana Central directly for current membership requirements and application steps.
Is my money safe at Louisiana Central?
Louisiana Central is a state-chartered 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. Louisiana Central's net worth ratio of 0.32% 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.