Federal credit union · LUTCHER, Louisiana · NCUA charter #13763
River Region
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $40.7M
- Total assets
- 2,454
- Members
- 19.2%
- Net-worth ratio
River Region scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.7M; members 2,454; net-worth ratio 19.20%; health rank #3,387 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,387 of 4,374 health · 2025Q4River Region · health 73/100 · $40.7M · 2025Q4
Call Report peers
River Region in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
River Region vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); River Region sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
River Region vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 19.20% here, 14.86% peer average (+4.34 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -31.61 pp (28.19% vs 59.80%).
River Region in Louisiana
- In Louisiana, health place is #88 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #56 of 138 inside Louisiana ($40.7M reported).
- Membership ranks #68 of 138 among Louisiana CUs with a reported count (2,454 members).
- One place up in Louisiana, PEOPLE'S (#87) ties at 73/100; one place down, ANECA (#89) ties at 73/100.
How River Region's 5300 filing moved
River Region: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $40.7M (2025Q4) to $42.4M (2026Q1).
- Net-worth ratio shifted -0.80 pp (20.00% → 19.20%).
19.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
River Region gives up 27 points in total. Delinquency Rate costs the most, 15.1 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 8.7 pts
Call Report ratios for River Region
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.20% | +4.34 pp |
| Delinquency Rate | 2.41% | +1.27 pp |
| Return on Assets | 1.03% | +0.32 pp |
| Member Growth | 0.37% | - |
| Loan-to-Share Ratio | 28.19% | -31.61 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - River Region
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.4M | - |
| 2025Q4 | $40.7M | 2,454 |
| 2024Q4 | $39.7M | 2,445 |
| 2023Q4 | $37.0M | 2,442 |
Credit Union Details
- Charter Number
- 13763
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- LUTCHER
- Data Quarter
- 2025Q4
Branch Location
River Region operates a single office in Lutcher, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| River Region Federal Credit Union (Main Office) | Lutcher, 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.
Cross-state Call Report peers for River Region
Using this data
- River Region ranks #3,387 of 4,374 nationally on financial health and #88 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VALEX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VALEX
Frequently Asked Questions
Is River Region financially healthy?
River Region has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,387 of 4,374 nationally on health and #88 of 138 in Louisiana. Its net worth ratio is 19.20% and its delinquency rate 2.41%.
How does River Region compare to other credit unions?
River Region scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.20% vs 14.86%). Its widest shortfall is loan-to-share ratio (28.19% vs 59.80%).
How can I join River Region?
River Region 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 River Region directly for the exact boundaries and application steps.
Is my money safe at River Region?
River Region 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. River Region's net worth ratio of 19.20% 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.