Federal credit union · NEW ORLEANS, Louisiana · NCUA charter #1665
New Orleans Public Belt Railroad
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $384K
- Total assets
- 141
- Members
- 16.3%
- Net-worth ratio
New Orleans Public Belt Railroad - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1665: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
New Orleans Public Belt Railroad - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)79
- Earnings (ROA)61
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.35% | 30% |
| Delinquency Rate | 1.04% | 25% |
| Return on Assets | 0.11% | 15% |
| Member Growth | -5.37% | 15% |
| Loan-to-Share Ratio | 89.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $384K | 141 |
| 2024Q4 | $482K | 149 |
| 2023Q4 | $486K | 141 |
Credit Union Details
- Charter Number
- 1665
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Louisiana
- City
- NEW ORLEANS
- Data Quarter
- 2025Q4
What This Data Says About New Orleans Public Belt Railroad
Headquartered in NEW ORLEANS, Louisiana, New Orleans Public Belt Railroad is a federal credit union with 141 members, $384K in total assets, and $252K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 74/100 (Very Good), driven in part by a net worth ratio of 16.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1665 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 89.04% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.04% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.11% on net income of $434 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 -5.37%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Public Belt Railroad financially healthy?
New Orleans Public Belt Railroad has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.35% and delinquency rate of 1.04%.
How does New Orleans Public Belt Railroad compare to other credit unions?
On PlainCU's health composite, New Orleans Public Belt Railroad lands at 74/100, compared to a peer group average for Under $2M 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 New Orleans Public Belt Railroad?
New Orleans Public Belt Railroad 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 New Orleans Public Belt Railroad directly for the exact boundaries and application steps.
Is my money safe at New Orleans Public Belt Railroad?
Federal credit unions like New Orleans Public Belt Railroad 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 Public Belt Railroad's net worth ratio of 16.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Orleans Public Belt Railroad offer compared to banks?
Credit unions like New Orleans Public Belt Railroad 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 Public Belt Railroad directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.