Federal credit union · Monroe, Louisiana · NCUA charter #14376
Louisiana Machinery Employees
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $3.7M
- Total assets
- 690
- Members
- 23.3%
- Net-worth ratio
Louisiana Machinery Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14376: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Louisiana Machinery Employees - 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)47
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
23.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.29% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 84.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.7M | 690 |
| 2024Q4 | $3.7M | 690 |
| 2023Q4 | $4.0M | 703 |
Credit Union Details
- Charter Number
- 14376
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- Monroe
- Data Quarter
- 2025Q4
What This Data Says About Louisiana Machinery Employees
Louisiana Machinery Employees is a federal credit union headquartered in Monroe, Louisiana, serving 690 members with $3.7M in total assets and $2.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 23.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #14376 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 84.15% 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 0.06% on net income of $2K 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 0.00%. 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: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, 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 Louisiana Machinery Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Louisiana Machinery Employees carries a financial health score of 86/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.29% net worth ratio and a 0.00% delinquency rate.
How does Louisiana Machinery Employees compare to other credit unions?
On PlainCU's health composite, Louisiana Machinery Employees lands at 86/100, compared to a peer group average for $2M–$10M 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 Louisiana Machinery Employees?
Louisiana Machinery Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Louisiana Machinery Employees directly for the exact boundaries and application steps.
Is my money safe at Louisiana Machinery Employees?
Federal credit unions like Louisiana Machinery Employees 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 Machinery Employees's net worth ratio of 23.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Louisiana Machinery Employees offer compared to banks?
Credit unions like Louisiana Machinery Employees 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 Machinery Employees 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.