Federal credit union · MORGAN CITY, Louisiana · NCUA charter #15009
Morgan City
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $4.9M
- Total assets
- 869
- Members
- 16.1%
- Net-worth ratio
Morgan City scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.9M; members 869; net-worth ratio 16.10%; health rank #1,772 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,772 of 4,374 health · 2025Q4Morgan City · health 86/100 · $4.9M · 2025Q4
Call Report peers
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Morgan City vs every NCUA-scored credit union
Morgan City sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Where Morgan City diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 73.47% here, 63.60% peer average (+9.87 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.96 pp (16.10% vs 19.06%).
Morgan City: in-state Call Report ranks
- Health composite ranks #42 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #103 of 138.
- Member book place in Louisiana: #103 of 138.
- One place up in Louisiana, Louisiana Machinery Employees (#41) ties at 86/100; one place down, Federal Employees (#43) scores 85/100, 1 point lower.
How Morgan City's 5300 filing moved
Morgan City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $4.9M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (16.19% → 16.10%).
This credit union's 16.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Morgan City gives up 14 points in total. Member Growth costs the most, 14.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.7 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Morgan City
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.10% | -2.96 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.63% | +0.18 pp |
| Member Growth | -4.61% | - |
| Loan-to-Share Ratio | 73.47% | +9.87 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Morgan City filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.9M | - |
| 2025Q4 | $4.9M | 869 |
| 2024Q4 | $5.1M | 911 |
| 2023Q4 | $5.2M | 913 |
Credit Union Details
- Charter Number
- 15009
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- MORGAN CITY
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Morgan City runs 2 offices.
| Office | City |
|---|---|
| MAIN (Main Office) | Morgan City, LA |
| WHITNEY | Morgan City, 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.
Cross-state Call Report peers for Morgan City
Similar health score
Using this data
- Morgan City ranks #1,772 of 4,374 nationally on financial health and #42 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- P.H.I. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with P.H.I.
Frequently Asked Questions
Is Morgan City financially healthy?
Morgan City has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,772 of 4,374 nationally on health and #42 of 138 in Louisiana. Its net worth ratio is 16.10% and its delinquency rate 0.00%.
How does Morgan City compare to other credit unions?
Morgan City scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (73.47% vs 63.60%). Its widest shortfall is net worth ratio (16.10% vs 19.06%).
How can I join Morgan City?
Morgan City serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Morgan City directly for the current list of qualifying groups.
Is my money safe at Morgan City?
Morgan City 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. Morgan City's net worth ratio of 16.10% 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.