Federal credit union · LAFAYETTE, Louisiana · NCUA charter #9643
MERITUS
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $244.8M
- Total assets
- 23,537
- Members
- 13.2%
- Net-worth ratio
MERITUS scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $244.8M; members 23,537; net-worth ratio 13.16%; health rank #2,725 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,725 of 4,374 health · 2025Q4MERITUS · health 80/100 · $244.8M · 2025Q4
Call Report peers
MERITUS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MERITUS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MERITUS sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MERITUS vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 78.14% here, 72.20% peer average (+5.94 pp).
- Largest lag: Return on Assets at 0.28% vs peer 0.62% (-0.34 pp).
Where MERITUS sits in Louisiana
- Health composite ranks #61 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #17 of 138.
- Member book place in Louisiana: #16 of 138.
- One place up in Louisiana, C-F La. (#60) ties at 80/100; one place down, FLEUR-DE-LIS (#62) ties at 80/100.
MERITUS: 2025Q4 → 2026Q1
MERITUS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $244.8M (2025Q4) to $249.5M (2026Q1).
- Net-worth ratio shifted -0.23 pp (13.39% → 13.16%).
At 13.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
MERITUS gives up 20 points in total. Member Growth costs the most, 14.7 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 11.7 pts
- Member Growth 0.3 pts
- Loan-to-Share Ratio 15.5 pts
MERITUS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.16% | +1.05 pp |
| Delinquency Rate | 0.75% | -0.15 pp |
| Return on Assets | 0.28% | -0.34 pp |
| Member Growth | -4.84% | - |
| Loan-to-Share Ratio | 78.14% | +5.94 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $249.5M | - |
| 2025Q4 | $244.8M | 23,537 |
| 2024Q4 | $240.9M | 24,733 |
| 2023Q4 | $248.6M | 24,569 |
Credit Union Details
- Charter Number
- 9643
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- LAFAYETTE
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for MERITUS, spread across 4 cities.
| Office | City |
|---|---|
| Meritus FCU Main Office (Main Office) | Lafayette, LA |
| Meritus FCU Carencro Branch | Carencro, LA |
| Meritus FCU Acadia Branch | Crowley, LA |
| Meritus FCU Iberia Branch | New Iberia, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
MERITUS nationwide neighbourhoods
Using this data
- MERITUS ranks #2,725 of 4,374 nationally on financial health and #61 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BOSSIER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BOSSIER
Frequently Asked Questions
Is MERITUS financially healthy?
On its 2025Q4 NCUA 5300 filing, MERITUS scores 80/100 (Excellent), with a 13.16% net worth ratio and 0.75% of loans delinquent. It ranks #2,725 of 4,374 nationally on health and #61 of 138 in Louisiana.
How does MERITUS compare to other credit unions?
MERITUS scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.14% vs 72.20%). Its widest shortfall is return on assets (0.28% vs 0.62%).
How can I join MERITUS?
MERITUS 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 MERITUS directly for the exact boundaries and application steps.
Is my money safe at MERITUS?
MERITUS is a federal 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. MERITUS's net worth ratio of 13.16% exceeds 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.