Federal credit union · GREENSBURG, Louisiana · NCUA charter #13248
S H P E
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $4.1M
- Total assets
- 1,498
- Members
- 7.3%
- Net-worth ratio
S H P E scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.1M; members 1,498; net-worth ratio 7.27%; health rank #3,733 of 4,374; healthier than 15th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,733 of 4,374 health · 2025Q4S H P E · health 68/100 · $4.1M · 2025Q4
- MEM 68/100
- RANK 7.3%
- PHOTO 10.37%
- BOOK 0.50%
- CHARTER $4.1M
- NCUSIF 1,498
- CAMELS #3,733/4,374
- HEALTH n/a
- NW 13248
Call Report peers
S H P E carries $4.1M 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.
S H P E 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
68 15th percentile higher than 15% 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
S H P E - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13248 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where S H P E diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +7.51 pp (71.11% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -11.79 pp (7.27% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Louisiana standing for S H P E
- Health composite ranks #101 of 138 among scored Louisiana credit unions.
- By total assets, S H P E is #108 of 138 in Louisiana.
- Member book place in Louisiana: #84 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.
S H P E Call Report trajectory
S H P E: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $4.1M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.26% → 7.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 23.2 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for S H P E
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.27% | -11.79 pp |
| Delinquency Rate | 10.37% | +8.56 pp |
| Return on Assets | 0.50% | +0.05 pp |
| Member Growth | 14.35% | - |
| Loan-to-Share Ratio | 71.11% | +7.51 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).
Call Report history - S H P E
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.0M | - |
| 2025Q4 | $4.1M | 1,498 |
| 2024Q4 | $4.0M | 1,310 |
| 2023Q4 | $4.0M | 1,448 |
Credit Union Details
- Charter Number
- 13248
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- GREENSBURG
- Data Quarter
- 2025Q4
Branch Location
S H P E operates a single office in Greensburg, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Greensburg, 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.
Nationwide credit unions with similar profiles
S H P E'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 (68/100 here).
Using this data
- S H P E ranks #3,733 of 4,374 nationally on financial health and #101 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- G. C. a. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with G. C. a.
- 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 S H P E financially healthy?
A 7.27% net worth ratio and a 10.37% delinquency rate feed into S H P E's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,733 of 4,374; by total assets it ranks #3,959 of 4,374 nationally (same basis as /rankings/largest); and #108 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does S H P E compare to other credit unions?
S H P E scores 68/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 S H P E?
S H P E 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 S H P E directly to confirm eligibility.
Is my money safe at S H P E?
Federal credit unions like S H P E 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. S H P E's net worth ratio of 7.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does S H P E offer compared to banks?
Credit unions like S H P E 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 S H P E 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.