Federal credit union · ALEXANDRIA, Louisiana · NCUA charter #12225
RAPIDES
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $6.2M
- Total assets
- 1,149
- Members
- 30.0%
- Net-worth ratio
RAPIDES scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.2M; members 1,149; net-worth ratio 30.05%; health rank #1,367 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,367 of 4,374 health · 2025Q4RAPIDES · health 88/100 · $6.2M · 2025Q4
- NCUSIF 88/100
- CAMELS 30.0%
- HEALTH 1.40%
- NW 1.59%
- DELQ $6.2M
- ROA 1,149
- ASSETS #1,367/4,374
- MEM n/a
- RANK 12225
Call Report peers
RAPIDES carries $6.2M 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.
RAPIDES 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
88 Top 35% higher than 65% 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
RAPIDES - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12225, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where RAPIDES diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +17.72 pp (81.32% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
RAPIDES in Louisiana
- Health composite ranks #31 of 138 among scored Louisiana credit unions.
- Assets rank #97 of 138 inside Louisiana ($6.2M reported).
- Louisiana membership ordinal: #92 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
RAPIDES: 2025Q4 → 2026Q1
RAPIDES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $6.2M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted +0.77 pp (29.28% → 30.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 30.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 15.1 pts
RAPIDES vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.05% | +10.99 pp |
| Delinquency Rate | 1.40% | -0.41 pp |
| Return on Assets | 1.59% | +1.14 pp |
| Member Growth | 1.59% | - |
| Loan-to-Share Ratio | 81.32% | +17.72 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).
RAPIDES quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.2M | - |
| 2025Q4 | $6.2M | 1,149 |
| 2024Q4 | $6.3M | 1,131 |
| 2023Q4 | $6.1M | 1,110 |
Credit Union Details
- Charter Number
- 12225
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- ALEXANDRIA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, RAPIDES runs 2 offices.
| Office | City |
|---|---|
| Rapides Federal Credit Union (Main Office) | Alexandria, LA |
| Bank Of Montgomery | Alexandria, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
RAPIDES nationwide neighbourhoods
RAPIDES's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- RAPIDES ranks #1,367 of 4,374 nationally on financial health and #31 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- District 58 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with District 58
- 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 RAPIDES financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, RAPIDES carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,367 of 4,374; by total assets it ranks #3,787 of 4,374 nationally (same basis as /rankings/largest); and #97 of 138 within Louisiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 30.05% net worth ratio and a 1.40% delinquency rate.
How does RAPIDES compare to other credit unions?
Five weighted metrics from NCUA filings produce RAPIDES's 88/100 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 RAPIDES?
RAPIDES 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 RAPIDES directly for the exact boundaries and application steps.
Is my money safe at RAPIDES?
Federal credit unions like RAPIDES 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. RAPIDES's net worth ratio of 30.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RAPIDES offer compared to banks?
Credit unions like RAPIDES 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 RAPIDES 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.