Federal credit union · BATON ROUGE, Louisiana · NCUA charter #2068
Southern Teachers & Parents
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $29.6M
- Total assets
- 3,830
- Members
- 8.6%
- Net-worth ratio
Southern Teachers & Parents scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.6M; members 3,830; net-worth ratio 8.63%; health rank #3,132 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,132 of 4,374 health · 2025Q4Southern Teachers & Parents · health 77/100 · $29.6M · 2025Q4
- HEALTH 77/100
- NW 8.6%
- DELQ 0.12%
- ROA 0.45%
- ASSETS $29.6M
- MEM 3,830
- RANK #3,132/4,374
- PHOTO NSPIRE
- BOOK 2068
Call Report peers
Southern Teachers & Parents in the assets neighbourhood
Southern Teachers & Parents's $29.6M assets sit next to NSPIRE ($29.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Teachers & Parents 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
77 28th percentile higher than 28% 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
Southern Teachers & Parents - Share Insurance Coverage
Charter #2068's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Southern Teachers & Parents
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.02 pp (0.12% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 53.17% here, 59.80% peer average (-6.63 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Southern Teachers & Parents sits in Louisiana
- Louisiana health ordinal: #74 of 138.
- By total assets, Southern Teachers & Parents is #63 of 138 in Louisiana.
- Louisiana membership ordinal: #52 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.
Southern Teachers & Parents Call Report trajectory
Southern Teachers & Parents: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $29.6M (2025Q4) to $29.6M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.65% → 8.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.2 pts
Southern Teachers & Parents vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.63% | -6.23 pp |
| Delinquency Rate | 0.12% | -1.02 pp |
| Return on Assets | 0.45% | -0.26 pp |
| Member Growth | -11.20% | - |
| Loan-to-Share Ratio | 53.17% | -6.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Southern Teachers & Parents quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.6M | - |
| 2025Q4 | $29.6M | 3,830 |
| 2024Q4 | $28.4M | 4,313 |
| 2023Q4 | $29.4M | 4,342 |
Credit Union Details
- Charter Number
- 2068
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- BATON ROUGE
- Data Quarter
- 2025Q4
Branch Locations (3)
Southern Teachers & Parents operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Southern Teachers & Parents FCU (Main Office) | Baton Rouge, LA |
| Southern Teachers & Parents FCU Lafeda Branch | Thibodaux, LA |
| DATA SYSTEMS/SHARETEC | WACO, TX |
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.
- BEAUREGARD SCHOOL EMPLOYEESDERIDDER, LA · $10M–$50M89Health
- CUSACovington, LA · $10M–$50M62Health
- ENGAGENATCHITOCHES, LA · $10M–$50M95Health
- TANGIPAHOA PARISH TEACHERSAMITE, LA · $10M–$50M71Health
- ALEXANDRIA MUNICIPAL EMPLOYEESAlexandria, LA · $10M–$50M82Health
Compare Southern Teachers & Parents vs BEAUREGARD SCHOOL EMPLOYEES
Nationwide credit unions with similar profiles
Southern Teachers & Parents's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Southern Teachers & Parents ranks #3,132 of 4,374 nationally on financial health and #74 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Beauregard School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Beauregard School Employees
- 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 Southern Teachers & Parents financially healthy?
Southern Teachers & Parents has a financial health score of 77/100 (Very 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 #3,132 of 4,374; by total assets it ranks #2,863 of 4,374 nationally (same basis as /rankings/largest); and #63 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 8.63% and delinquency rate of 0.12%.
How does Southern Teachers & Parents compare to other credit unions?
PlainCU's health composite puts Southern Teachers & Parents at 77/100, compared to a peer group average for $10M–$50M 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 Southern Teachers & Parents?
Southern Teachers & Parents operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Southern Teachers & Parents directly for the exact boundaries and application steps.
Is my money safe at Southern Teachers & Parents?
Federal credit unions like Southern Teachers & Parents 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. Southern Teachers & Parents's net worth ratio of 8.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Teachers & Parents offer compared to banks?
Credit unions like Southern Teachers & Parents 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 Southern Teachers & Parents 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.