Federal credit union · Sulphur, Louisiana · NCUA charter #20228
MONTELL
Health score 48/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $5.1M
- Total assets
- 684
- Members
- 21.8%
- Net-worth ratio
MONTELL scores 48/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.1M; members 684; net-worth ratio 21.80%; health rank #4,288 of 4,374; healthier than 2nd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,288 of 4,374 health · 2025Q4MONTELL · health 48/100 · $5.1M · 2025Q4
- CAMELS 48/100
- HEALTH 21.8%
- NW 6.55%
- DELQ -1.24%
- ROA $5.1M
- ASSETS 684
- MEM #4,288/4,374
- RANK n/a
- PHOTO 20228
Call Report peers
MONTELL carries $5.1M 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.
MONTELL 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
48 2nd percentile higher than 2% 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
MONTELL - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20228. See our deposit-insurance coverage note.
Peer-gap read for MONTELL
- Loan-to-Share Ratio leads the peer set - 105.55% here, 63.60% peer average (+41.95 pp).
- Widest shortfall vs peers is Delinquency Rate: +4.74 pp (6.55% vs 1.81%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Louisiana standing for MONTELL
- Health composite ranks #130 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #100 of 138.
- Louisiana membership ordinal: #111 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.
MONTELL Call Report trajectory
MONTELL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -6.7% from $5.1M (2025Q4) to $4.8M (2026Q1).
- Net-worth ratio shifted +1.63 pp (20.17% → 21.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 21.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 48/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 48.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 8.1 pts
MONTELL health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.80% | +2.74 pp |
| Delinquency Rate | 6.55% | +4.74 pp |
| Return on Assets | -1.24% | -1.69 pp |
| Member Growth | 0.74% | - |
| Loan-to-Share Ratio | 105.55% | +41.95 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).
MONTELL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.8M | - |
| 2025Q4 | $5.1M | 684 |
| 2024Q4 | $5.3M | 679 |
| 2023Q4 | $5.2M | 666 |
Credit Union Details
- Charter Number
- 20228
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- Sulphur
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MONTELL.
| Office | City |
|---|---|
| Main Office (Main Office) | Westlake, 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.
Other-state peers near MONTELL
Two NCUA Call Report peer sets for MONTELL, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (48/100 here).
Using this data
- MONTELL ranks #4,288 of 4,374 nationally on financial health and #130 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sabine School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sabine School Employees
- 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 MONTELL financially healthy?
MONTELL has a financial health score of 48/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,288 of 4,374; by total assets it ranks #3,880 of 4,374 nationally (same basis as /rankings/largest); and #100 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 21.80% and delinquency rate of 6.55%.
How does MONTELL compare to other credit unions?
48/100 is MONTELL's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 MONTELL?
MONTELL 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 MONTELL directly for the exact boundaries and application steps.
Is my money safe at MONTELL?
Federal credit unions like MONTELL 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. MONTELL's net worth ratio of 21.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MONTELL offer compared to banks?
Credit unions like MONTELL 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 MONTELL 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.