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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Richland Parish Schools sits in 40-44 with 25 others.
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 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).
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).
- One place up in Louisiana, Iberia Parish (#132) scores 44/100, 4 points higher; one place down, CARTER (#134) ties at 40/100.
How Richland Parish Schools's 5300 filing moved
Richland Parish Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $592K (2025Q4) to $593K (2026Q1).
- Net-worth ratio shifted +1.20 pp (29.36% → 30.56%).
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
Richland Parish Schools gives up 60 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Richland Parish Schools financially healthy?
Richland Parish Schools has a financial health score of 40/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,337 of 4,374 nationally on health and #133 of 138 in Louisiana. Its net worth ratio is 30.56% and its delinquency rate 4.54%.
How does Richland Parish Schools compare to other credit unions?
Richland Parish Schools scores 40/100, higher than 1% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (30.56% vs 22.93%). Its widest shortfall is loan-to-share ratio (46.75% vs 52.70%).
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?
Richland Parish Schools 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. Richland Parish Schools's net worth ratio of 30.56% exceeds 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.