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
- NCUSIF 80/100
- CAMELS 13.2%
- HEALTH 0.75%
- NW 0.28%
- DELQ $244.8M
- ROA 23,537
- ASSETS #2,725/4,374
- MEM Southern Security
- RANK 9643
Call Report peers
MERITUS in the assets neighbourhood
MERITUS's $244.8M assets sit next to Southern Security ($244.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% 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
MERITUS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9643: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MERITUS: 2025Q4 → 2026Q1
MERITUS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $244.8M (2025Q4) to $249.5M (2026Q1).
- Net-worth ratio shifted -0.23 pp (13.39% → 13.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for MERITUS, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($244.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 MERITUS financially healthy?
MERITUS scores 80/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,725 of 4,374; by total assets it ranks #1,157 of 4,374 nationally (same basis as /rankings/largest); and #17 of 138 within Louisiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.16% net worth ratio and a 0.75% delinquency rate.
How does MERITUS compare to other credit unions?
On PlainCU's health composite, MERITUS lands at 80/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like MERITUS 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. MERITUS's net worth ratio of 13.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MERITUS offer compared to banks?
Credit unions like MERITUS 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 MERITUS 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.