Federal credit union · SHREVEPORT, Louisiana · NCUA charter #6048

Shreveport Police

Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

69
Health / 100
$8.6M
Total assets
979
Members
14.6%
Net-worth ratio

Shreveport Police - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #6048 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for Shreveport Police Share insurance under NCUSIF covers up to $250,000 per share owner. Shreveport Police holds approximately $7.1M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 14.6 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 14.6% · $7.1M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Shreveport Police - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 14.58% 30% weight
  • Asset quality (delinquency) 3.43% 25% weight
  • Earnings (ROA) 1.48% 15% weight
  • Member growth -1.71% 15% weight
  • Liquidity (loan-to-share) 68% 15% weight

Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 97.2%

This credit union's 14.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$8.6M
Total Assets
979
Members
$4.8M
Total Loans
$7.1M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.58% 30%
Delinquency Rate 3.43% 25%
Return on Assets 1.48% 15%
Member Growth -1.71% 15%
Loan-to-Share Ratio 68.31% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $8.6M 979
2024Q4 $7.7M 996
2023Q4 $7.5M 993

Credit Union Details

Charter Number
6048
Type
Federal
Field of Membership
Multiple Common Bond
Peer Group
$2M–$10M
State
Louisiana
City
SHREVEPORT
Data Quarter
2025Q4

What This Data Says About Shreveport Police

The five-factor composite scores Shreveport Police at 69/100 (Good), reflecting a net worth ratio of 14.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in SHREVEPORT, Louisiana, reports 979 members, $8.6M in total assets, and $4.8M in outstanding loans as of Q4 2025 under charter #6048 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).

On loan book quality: 3.43% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 68.31% 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 1.48% on net income of $127K 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 -1.71%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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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 Shreveport Police financially healthy?

Yes/no aside, the number is 69/100 (Good) - Shreveport Police's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.58% net worth ratio and 3.43% delinquency rate are the key drivers.

How does Shreveport Police compare to other credit unions?

PlainCU's health composite puts Shreveport Police at 69/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Shreveport Police?

Shreveport Police serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Shreveport Police directly for the current list of qualifying groups.

Is my money safe at Shreveport Police?

Federal credit unions like Shreveport Police 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. Shreveport Police's net worth ratio of 14.58% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Shreveport Police offer compared to banks?

Credit unions like Shreveport Police 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 Shreveport Police 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.