Federal credit union · New Orleans, Louisiana · NCUA charter #2056
Sewerage & Water Board Employees
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $8.2M
- Total assets
- 1,495
- Members
- 7.8%
- Net-worth ratio
Sewerage & Water Board Employees scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.2M; members 1,495; net-worth ratio 7.75%; health rank #4,008 of 4,374; healthier than 8th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,008 of 4,374 health · 2025Q4Sewerage & Water Board · health 62/100 · $8.2M · 2025Q4
- HEALTH 62/100
- NW 7.8%
- DELQ 2.31%
- ROA 0.41%
- ASSETS $8.2M
- MEM 1,495
- RANK #4,008/4,374
- PHOTO n/a
- BOOK 2056
Call Report peers
Sewerage & Water Board Employees carries $8.2M 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.
Sewerage & Water Board Employees 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
62 8th percentile higher than 8% 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
Sewerage & Water Board Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #2056. See our deposit-insurance coverage note.
Peer-gap read for Sewerage & Water Board Employees
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.35 pp (43.25% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sewerage & Water Board Employees: in-state Call Report ranks
- Louisiana health ordinal: #114 of 138.
- Assets rank #91 of 138 inside Louisiana ($8.2M reported).
- Member book place in Louisiana: #85 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.
Sewerage & Water Board Employees Call Report trajectory
Sewerage & Water Board Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $8.2M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted -0.18 pp (7.93% → 7.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 24.4 pts
- Delinquency Rate 10.5 pts
- Return on Assets 13.6 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 9.6 pts
Sewerage & Water Board health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.75% | -11.31 pp |
| Delinquency Rate | 2.31% | +0.50 pp |
| Return on Assets | 0.41% | -0.04 pp |
| Member Growth | -2.86% | - |
| Loan-to-Share Ratio | 43.25% | -20.35 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.5M | - |
| 2025Q4 | $8.2M | 1,495 |
| 2024Q4 | $7.9M | 1,539 |
| 2023Q4 | $8.1M | 1,610 |
Credit Union Details
- Charter Number
- 2056
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- New Orleans
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Sewerage & Water Board Employees runs one office.
| Office | City |
|---|---|
| Sewerage & Water Board Employees FCU (Main Office) | New Orleans, 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.
- NEW ORLEANS CLERK & CHECKERSMETAIRIE, LA · $2M–$10M85Health
- IBERVILLEPLAQUEMINE, LA · $2M–$10M67Health
- STATE AGENCIESSHREVEPORT, LA · $2M–$10M77Health
- SHREVEPORT POLICESHREVEPORT, LA · $2M–$10M69Health
- PAN AMOCOMETAIRIE, LA · $2M–$10M67Health
Compare Sewerage & Water Board Employees vs NEW ORLEANS CLERK & CHECKERS
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Sewerage & Water Board Employees - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Sewerage & Water Board Employees ranks #4,008 of 4,374 nationally on financial health and #114 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Orleans Clerk & Checkers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Orleans Clerk & Checkers
- 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 Sewerage & Water Board Employees financially healthy?
Sewerage & Water Board Employees scores 62/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,008 of 4,374; by total assets it ranks #3,659 of 4,374 nationally (same basis as /rankings/largest); and #91 of 138 within Louisiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.75% net worth ratio and a 2.31% delinquency rate.
How does Sewerage & Water Board Employees compare to other credit unions?
On PlainCU's health composite, Sewerage & Water Board Employees lands at 62/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Sewerage & Water Board Employees?
Sewerage & Water Board Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Sewerage & Water Board Employees directly to confirm current membership steps.
Is my money safe at Sewerage & Water Board Employees?
Federal credit unions like Sewerage & Water Board Employees 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. Sewerage & Water Board Employees's net worth ratio of 7.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sewerage & Water Board Employees offer compared to banks?
Credit unions like Sewerage & Water Board Employees 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 Sewerage & Water Board Employees 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.