Federal credit union · Rayville, Louisiana · NCUA charter #22785
Richland Parish Schools
Health score 40/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $592K
- Total assets
- 132
- Members
- 29.4%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)68
Weighted composite: 40/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
29.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 29.36% | 30% |
| Delinquency Rate | 4.54% | 25% |
| Return on Assets | -1.10% | 15% |
| Member Growth | -5.71% | 15% |
| Loan-to-Share Ratio | 46.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Richland Parish Schools
Richland Parish Schools is a federal credit union headquartered in Rayville, Louisiana, serving 132 members with $592K in total assets and $194K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 40/100 (Below Average), anchored by a net worth ratio of 29.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #22785 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
4.54% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 46.75% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.10% on net income of $-6528 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.71%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 29.36% 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 29.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.