Federal credit union · SLIDELL, Louisiana · NCUA charter #4461
NODA
Health score 45/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $34.2M
- Total assets
- 2,904
- Members
- 16.2%
- Net-worth ratio
NODA scores 45/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.2M; members 2,904; net-worth ratio 16.16%; health rank #4,314 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,314 of 4,374 health · 2025Q4NODA · health 45/100 · $34.2M · 2025Q4
- DELQ 45/100
- ROA 16.2%
- ASSETS 4.97%
- MEM -2.02%
- RANK $34.2M
- PHOTO 2,904
- BOOK #4,314/4,374
- CHARTER GRACO
- NCUSIF 4461
Call Report peers
NODA in the assets neighbourhood
NODA's $34.2M assets sit next to GRACO ($34.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NODA 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
45 1st percentile higher than 1% 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
NODA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4461 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where NODA diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.30 pp (16.16% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.44 pp (39.36% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
NODA: in-state Call Report ranks
- Louisiana health ordinal: #131 of 138.
- Assets rank #58 of 138 inside Louisiana ($34.2M reported).
- Membership ranks #61 of 138 among Louisiana CUs with a reported count (2,904 members).
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 NODA's 5300 filing moved
NODA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $34.2M (2025Q4) to $34.2M (2026Q1).
- Net-worth ratio shifted -0.43 pp (16.59% → 16.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 45/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 45.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 9.4 pts
NODA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.16% | +1.30 pp |
| Delinquency Rate | 4.97% | +3.82 pp |
| Return on Assets | -2.02% | -2.73 pp |
| Member Growth | -1.89% | - |
| Loan-to-Share Ratio | 39.36% | -20.44 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.2M | - |
| 2025Q4 | $34.2M | 2,904 |
| 2024Q4 | $33.9M | 2,960 |
| 2023Q4 | $40.0M | 3,040 |
Credit Union Details
- Charter Number
- 4461
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- SLIDELL
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for NODA, spread across 2 cities.
| Office | City |
|---|---|
| Branch Location (Main Office) | SLIDELL, LA |
| National Finance Center | New Orleans, LA |
| Southern Regional Research Center | New Orleans, 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.
NODA nationwide neighbourhoods
Two NCUA Call Report peer sets for NODA, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (45/100 here).
Using this data
- NODA ranks #4,314 of 4,374 nationally on financial health and #131 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alexandria Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alexandria Municipal 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 NODA financially healthy?
A 16.16% net worth ratio and a 4.97% delinquency rate feed into NODA's financial health score of 45/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,314 of 4,374; by total assets it ranks #2,741 of 4,374 nationally (same basis as /rankings/largest); and #58 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does NODA compare to other credit unions?
45/100 is NODA's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 NODA?
NODA 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 NODA directly for the current list of qualifying groups.
Is my money safe at NODA?
Federal credit unions like NODA 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. NODA's net worth ratio of 16.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NODA offer compared to banks?
Credit unions like NODA 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 NODA 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.