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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,366 of 4,374 health · 2025Q4Louisiana Central · health 32/100 · $9.8M · 2025Q4
- ROA 32/100
- ASSETS 0.3%
- MEM 1.54%
- RANK -0.70%
- PHOTO $9.8M
- BOOK 1,941
- CHARTER #4,366/4,374
- NCUSIF n/a
- CAMELS 61724
Call Report peers
Louisiana Central carries $9.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Louisiana Central 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
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
Louisiana Central - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61724 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Louisiana Central: 2025Q4 → 2026Q1
Louisiana Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.0% from $9.8M (2025Q4) to $9.6M (2026Q1).
- Net-worth ratio shifted -4.87 pp (5.19% → 0.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 32.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Louisiana Central - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (32/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana 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 Louisiana Central financially healthy?
Louisiana Central has a financial health score of 32/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,366 of 4,374; by total assets it ranks #3,576 of 4,374 nationally (same basis as /rankings/largest); and #85 of 138 within Louisiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 0.32% and delinquency rate of 1.54%.
How does Louisiana Central compare to other credit unions?
Five weighted metrics from NCUA filings produce Louisiana Central's 32/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Louisiana Central 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. Louisiana Central's net worth ratio of 0.32% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Louisiana Central offer compared to banks?
Credit unions like Louisiana Central 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 Louisiana Central 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.