Federal credit union · METAIRIE, Louisiana · NCUA charter #10515

New Orleans Clerk & Checkers

Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

85
Health / 100
$8.2M
Total assets
1,099
Members
20.3%
Net-worth ratio

New Orleans Clerk & Checkers - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #10515 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for New Orleans Clerk & Checkers Share insurance under NCUSIF covers up to $250,000 per share owner. New Orleans Clerk & Checkers holds approximately $6.5M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 20.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 20.3% · $6.5M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

New Orleans Clerk & Checkers - Five Health Pillars

Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 20.32% 30% weight
  • Asset quality (delinquency) 1.51% 25% weight
  • Earnings (ROA) 0.91% 15% weight
  • Member growth 0.83% 15% weight
  • Liquidity (loan-to-share) 65% 15% weight

Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

20.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$8.2M
Total Assets
1,099
Members
$4.3M
Total Loans
$6.5M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 20.32% 30%
Delinquency Rate 1.51% 25%
Return on Assets 0.91% 15%
Member Growth 0.83% 15%
Loan-to-Share Ratio 65.29% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $8.2M 1,099
2024Q4 $8.6M 1,090
2023Q4 $8.9M 1,092

Credit Union Details

Charter Number
10515
Type
Federal
Field of Membership
Association/Group
Peer Group
$2M–$10M
State
Louisiana
City
METAIRIE
Data Quarter
2025Q4

What This Data Says About New Orleans Clerk & Checkers

The five-factor composite scores New Orleans Clerk & Checkers at 85/100 (Excellent), reflecting a net worth ratio of 20.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in METAIRIE, Louisiana, reports 1,099 members, $8.2M in total assets, and $4.3M in outstanding loans as of Q4 2025 under charter #10515 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).

Deposits deployed into lending sit at a 65.29% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.51% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.91% on net income of $75K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 0.83%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Association/Group) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Louisiana

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Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is New Orleans Clerk & Checkers financially healthy?

New Orleans Clerk & Checkers scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 20.32% net worth ratio and a 1.51% delinquency rate.

How does New Orleans Clerk & Checkers compare to other credit unions?

New Orleans Clerk & Checkers scores 85/100 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 New Orleans Clerk & Checkers?

New Orleans Clerk & Checkers 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 New Orleans Clerk & Checkers directly for the current list of qualifying groups.

Is my money safe at New Orleans Clerk & Checkers?

Federal credit unions like New Orleans Clerk & Checkers 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. New Orleans Clerk & Checkers's net worth ratio of 20.32% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does New Orleans Clerk & Checkers offer compared to banks?

Credit unions like New Orleans Clerk & Checkers 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 New Orleans Clerk & Checkers 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.