Federal credit union · Lafayette, Louisiana · NCUA charter #21879
P.H.I.
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $4.9M
- Total assets
- 849
- Members
- 6.9%
- Net-worth ratio
P.H.I. scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.9M; members 849; net-worth ratio 6.88%; health rank #3,135 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,135 of 4,374 health · 2025Q4P.H.I. · health 77/100 · $4.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
P.H.I. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); P.H.I. sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
Peer-gap read for P.H.I.
- Largest favorable gap: Loan-to-Share Ratio at 75.02% vs peer 63.60% (+11.42 pp).
- Net Worth Ratio trails the peer set - 6.88% here, 19.06% peer average (-12.18 pp).
Louisiana standing for P.H.I.
- In Louisiana, health place is #75 of 138 on the same NCUA-ratio sort used nationally.
- By total assets, P.H.I. is #102 of 138 in Louisiana.
- Membership ranks #104 of 138 among Louisiana CUs with a reported count (849 members).
- One place up in Louisiana, Southern Teachers & Parents (#74) ties at 77/100; one place down, St. Tammany (#76) scores 76/100, 1 point lower.
Quarter path for P.H.I.
P.H.I.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $4.9M (2025Q4) to $5.0M (2026Q1).
- Net-worth ratio shifted -0.37 pp (7.25% → 6.88%).
6.88% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 77/100 score is built
P.H.I. gives up 23 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 21.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.88% | -12.18 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.17% | +0.71 pp |
| Member Growth | -12.29% | - |
| Loan-to-Share Ratio | 75.02% | +11.42 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
P.H.I. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.0M | - |
| 2025Q4 | $4.9M | 849 |
| 2024Q4 | $5.2M | 968 |
| 2023Q4 | $5.9M | 1,100 |
Credit Union Details
- Charter Number
- 21879
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- Lafayette
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for P.H.I..
| Office | City |
|---|---|
| Main Office (Main Office) | Lafayette, 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.
P.H.I. nationwide neighbourhoods
Using this data
- P.H.I. ranks #3,135 of 4,374 nationally on financial health and #75 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Morgan City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Morgan City
Frequently Asked Questions
Is P.H.I. financially healthy?
On its 2025Q4 NCUA 5300 filing, P.H.I. scores 77/100 (Very Good), with a 6.88% net worth ratio and 0.00% of loans delinquent. It ranks #3,135 of 4,374 nationally on health and #75 of 138 in Louisiana.
How does P.H.I. compare to other credit unions?
P.H.I. scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (75.02% vs 63.60%). Its widest shortfall is net worth ratio (6.88% vs 19.06%).
How can I join P.H.I.?
P.H.I. 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 P.H.I. directly for the current list of qualifying groups.
Is my money safe at P.H.I.?
P.H.I. 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. P.H.I.'s net worth ratio of 6.88% is relative to 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.