Federal credit union · Lacombe, Louisiana · NCUA charter #15089
S T S P
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $800K
- Total assets
- 298
- Members
- 9.0%
- Net-worth ratio
S T S P scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $800K; members 298; net-worth ratio 9.00%; health rank #3,725 of 4,374; healthier than 15th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,725 of 4,374 health · 2025Q4S T S P · health 68/100 · $800K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S T S P vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); S T S P sits in 65-69 with 275 others.
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
Peer-gap read for S T S P
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +11.42 pp (64.12% vs 52.70%).
- Widest shortfall vs peers is Net Worth Ratio: -13.93 pp (9.00% vs 22.93%).
S T S P: in-state Call Report ranks
- Louisiana health ordinal: #100 of 138.
- Louisiana assets place: #128 of 138.
- Member book place in Louisiana: #126 of 138.
- One place up in Louisiana, W B R T (#99) ties at 68/100; one place down, S H P E (#101) ties at 68/100.
S T S P: 2025Q4 → 2026Q1
S T S P: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $800K (2025Q4) to $791K (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.09% → 9.00%).
This credit union's 9.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
S T S P gives up 32 points in total. Delinquency Rate costs the most, 25 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for S T S P
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.00% | -13.93 pp |
| Delinquency Rate | 4.22% | -0.25 pp |
| Return on Assets | 0.61% | +0.39 pp |
| Member Growth | 2.05% | - |
| Loan-to-Share Ratio | 64.12% | +11.42 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
S T S P filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $791K | - |
| 2025Q4 | $800K | 298 |
| 2024Q4 | $847K | 292 |
| 2023Q4 | $911K | 350 |
Credit Union Details
- Charter Number
- 15089
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Louisiana
- City
- Lacombe
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for S T S P.
| Office | City |
|---|---|
| Credit Union (Main Office) | Lacombe, 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.
S T S P nationwide neighbourhoods
Similar health score
Using this data
- S T S P ranks #3,725 of 4,374 nationally on financial health and #100 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U B C Southern Council Industria Wo is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U B C Southern Council Industria Wo
Frequently Asked Questions
Is S T S P financially healthy?
S T S P has a financial health score of 68/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,725 of 4,374 nationally on health and #100 of 138 in Louisiana. Its net worth ratio is 9.00% and its delinquency rate 4.22%.
How does S T S P compare to other credit unions?
S T S P scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (64.12% vs 52.70%). Its widest shortfall is net worth ratio (9.00% vs 22.93%).
How can I join S T S P?
S T S P 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 T S P directly to confirm eligibility.
Is my money safe at S T S P?
S T S P 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. S T S P's net worth ratio of 9.00% 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.