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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,772 of 4,374 health · 2025Q4Morgan City · health 86/100 · $4.9M · 2025Q4
- MEM 86/100
- RANK 16.1%
- PHOTO 0.00%
- BOOK 0.63%
- CHARTER $4.9M
- NCUSIF 869
- CAMELS #1,772/4,374
- HEALTH n/a
- NW 15009
Call Report peers
Morgan City carries $4.9M 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.
Morgan City 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
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
Morgan City - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15009, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Morgan City's 5300 filing moved
Morgan City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $4.9M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (16.19% → 16.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
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).
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
Morgan City's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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.
- 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 Morgan City financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Morgan City's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,772 of 4,374; by total assets it ranks #3,900 of 4,374 nationally (same basis as /rankings/largest); and #103 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.10% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Morgan City compare to other credit unions?
Morgan City scores 86/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Morgan City 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. Morgan City's net worth ratio of 16.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Morgan City offer compared to banks?
Credit unions like Morgan City 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 Morgan City 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.