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
- HEALTH 68/100
- NW 9.0%
- DELQ 4.22%
- ROA 0.61%
- ASSETS $800K
- MEM 298
- RANK #3,725/4,374
- PHOTO n/a
- BOOK 15089
Call Report peers
S T S P carries $800K 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 T S P 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 T S P - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15089 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 T S P: 2025Q4 → 2026Q1
S T S P: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $800K (2025Q4) to $791K (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.09% → 9.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Cross-state asset and health neighbours for S T S P - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- 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 T S P financially healthy?
S T S P has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,725 of 4,374; by total assets it ranks #4,260 of 4,374 nationally (same basis as /rankings/largest); and #128 of 138 within Louisiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.00% and delinquency rate of 4.22%.
How does S T S P compare to other credit unions?
68/100 is S T S P's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like S T S P 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 T S P's net worth ratio of 9.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does S T S P offer compared to banks?
Credit unions like S T S P 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 T S P 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.