Federal credit union · Rayville, Louisiana · NCUA charter #22785
Richland Parish Schools
Health score 40/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $592K
- Total assets
- 132
- Members
- 30.6%
- Net-worth ratio
Richland Parish Schools scores 40/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $592K; members 132; net-worth ratio 30.56%; health rank #4,337 of 4,374; healthier than 1st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,337 of 4,374 health · 2025Q4Richland Parish Schools · health 40/100 · $592K · 2025Q4
- ASSETS 40/100
- MEM 30.6%
- RANK 4.54%
- PHOTO -1.10%
- BOOK $592K
- CHARTER 132
- NCUSIF #4,337/4,374
- CAMELS n/a
- HEALTH 22785
Call Report peers
Richland Parish Schools carries $592K 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.
Richland Parish Schools 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
40 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
Richland Parish Schools - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #22785, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Richland Parish Schools vs Under $2M peers
- Net Worth Ratio leads the peer set - 30.56% here, 22.93% peer average (+7.63 pp).
- Loan-to-Share Ratio trails the peer set - 46.75% here, 52.70% peer average (-5.95 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Richland Parish Schools: in-state Call Report ranks
- Louisiana health ordinal: #133 of 138.
- By total assets, Richland Parish Schools is #133 of 138 in Louisiana.
- Membership ranks #136 of 138 among Louisiana CUs with a reported count (132 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 Richland Parish Schools's 5300 filing moved
Richland Parish Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $592K (2025Q4) to $593K (2026Q1).
- Net-worth ratio shifted +1.20 pp (29.36% → 30.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
30.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 40/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 40.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for Richland Parish Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.56% | +7.63 pp |
| Delinquency Rate | 4.54% | +0.06 pp |
| Return on Assets | -1.10% | -1.32 pp |
| Member Growth | -5.71% | - |
| Loan-to-Share Ratio | 46.75% | -5.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $593K | - |
| 2025Q4 | $592K | 132 |
| 2024Q4 | $578K | 140 |
| 2023Q4 | $606K | 144 |
Credit Union Details
- Charter Number
- 22785
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Louisiana
- City
- Rayville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Richland Parish Schools.
| Office | City |
|---|---|
| Richland Parish Schools FCU (Main Office) | Rayville, LA |
| Richland Parish School Board | Rayville, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
- AVENUE BAPTIST BROTHERHOODShreveport, LA · Under $2M75Health
- MUNICIPAL EMPLOYEESBOGALUSA, LA · Under $2M68Health
- UNIONFARMERVILLE, LA · Under $2M73Health
- IMMACULATE HEART OF MARYLafayette, LA · Under $2M55Health
- ST. MARY PARISH SCHOOL EMP.Franklin, LA · Under $2M74Health
Compare Richland Parish Schools vs AVENUE BAPTIST BROTHERHOOD
Nationwide credit unions with similar profiles
Richland Parish Schools'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 (40/100 here).
Using this data
- Richland Parish Schools ranks #4,337 of 4,374 nationally on financial health and #133 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Avenue Baptist Brotherhood is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Avenue Baptist Brotherhood
- 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 Richland Parish Schools financially healthy?
Richland Parish Schools has a financial health score of 40/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,337 of 4,374; by total assets it ranks #4,285 of 4,374 nationally (same basis as /rankings/largest); and #133 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 30.56% and delinquency rate of 4.54%.
How does Richland Parish Schools compare to other credit unions?
PlainCU's health composite puts Richland Parish Schools at 40/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Richland Parish Schools?
Richland Parish Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Richland Parish Schools directly to confirm eligibility.
Is my money safe at Richland Parish Schools?
Federal credit unions like Richland Parish Schools 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. Richland Parish Schools's net worth ratio of 30.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Richland Parish Schools offer compared to banks?
Credit unions like Richland Parish Schools 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 Richland Parish Schools 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.