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
- MEM 77/100
- RANK 6.9%
- PHOTO 0.00%
- BOOK 1.17%
- CHARTER $4.9M
- NCUSIF 849
- CAMELS #3,135/4,374
- HEALTH n/a
- NW 21879
Call Report peers
P.H.I. 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.
P.H.I. 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
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
P.H.I. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #21879, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for P.H.I.
P.H.I.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $4.9M (2025Q4) to $5.0M (2026Q1).
- Net-worth ratio shifted -0.37 pp (7.25% → 6.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
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).
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
Two NCUA Call Report peer sets for P.H.I., both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 P.H.I. financially healthy?
P.H.I. has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,135 of 4,374; by total assets it ranks #3,898 of 4,374 nationally (same basis as /rankings/largest); and #102 of 138 within Louisiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.88% and delinquency rate of 0.00%.
How does P.H.I. compare to other credit unions?
Five weighted metrics from NCUA filings produce P.H.I.'s 77/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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.?
Federal credit unions like P.H.I. 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. P.H.I.'s net worth ratio of 6.88% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does P.H.I. offer compared to banks?
Credit unions like P.H.I. 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 P.H.I. 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.