Federal credit union · Lacombe, Louisiana · NCUA charter #15089
S T S P
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $800K
- Total assets
- 298
- Members
- 9.1%
- Net-worth ratio
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.
S T S P - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)92
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)91
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.09% | 30% |
| Delinquency Rate | 4.22% | 25% |
| Return on Assets | 0.61% | 15% |
| Member Growth | 2.05% | 15% |
| Loan-to-Share Ratio | 64.12% | 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 | $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
What This Data Says About S T S P
298 members and $800K in total assets sit behind S T S P, a federal credit union in Lacombe, Louisiana, which posts a health score of 68/100 (Good) on the five-factor composite, with $466K in outstanding loans as of Q4 2025 and a net worth ratio of 9.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #15089 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 4.22% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 64.12% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.61% on net income of $5K 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 2.05%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.09% 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 9.09% 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.
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.