State credit union · Lake Charles, Louisiana · NCUA charter #62756
Southwest Louisiana
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $177.8M
- Total assets
- 19,190
- Members
- 15.5%
- Net-worth ratio
Southwest Louisiana scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $177.8M; members 19,190; net-worth ratio 15.54%; health rank #2,398 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,398 of 4,374 health · 2025Q4Southwest Louisiana · health 82/100 · $177.8M · 2025Q4
Call Report peers
Southwest Louisiana in the assets neighbourhood
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Southwest Louisiana vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southwest Louisiana sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Southwest Louisiana: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 98.60% vs peer 72.20% (+26.40 pp).
- Widest shortfall vs peers is Return on Assets: -0.44 pp (0.18% vs 0.62%).
Where Southwest Louisiana sits in Louisiana
- In Louisiana, health place is #50 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #19 of 138 inside Louisiana ($177.8M reported).
- Membership ranks #17 of 138 among Louisiana CUs with a reported count (19,190 members).
- One place up in Louisiana, KRAFTMAN (#49) scores 83/100, 1 point higher; one place down, Rapides General Hospital Empl (#51) ties at 82/100.
Southwest Louisiana: 2025Q4 → 2026Q1
Southwest Louisiana: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $177.8M (2025Q4) to $184.3M (2026Q1).
- Net-worth ratio shifted -0.41 pp (15.95% → 15.54%).
15.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Southwest Louisiana gives up 18 points in total. Delinquency Rate costs the most, 5.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 10.2 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 11.4 pts
Southwest Louisiana health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.54% | +3.43 pp |
| Delinquency Rate | 1.09% | +0.20 pp |
| Return on Assets | 0.18% | -0.44 pp |
| Member Growth | 1.73% | - |
| Loan-to-Share Ratio | 98.60% | +26.40 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Southwest Louisiana quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $184.3M | - |
| 2025Q4 | $177.8M | 19,190 |
| 2024Q4 | $173.7M | 18,864 |
| 2023Q4 | $172.0M | 18,741 |
Credit Union Details
- Charter Number
- 62756
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- Lake Charles
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Southwest Louisiana, spread across 3 cities.
| Office | City |
|---|---|
| McNeese Corporate Office (Main Office) | Lake Charles, LA |
| SWLACU Ryan Street Branch | Lake Charles, LA |
| West 18th Street | Lake Charles, LA |
| SWLACU South Beau Branch | Longville, LA |
| SWLACU Sulphur Office | Sulphur, 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.
Cross-state Call Report peers for Southwest Louisiana
Similar total assets
Using this data
- Southwest Louisiana ranks #2,398 of 4,374 nationally on financial health and #50 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EPIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EPIC
Frequently Asked Questions
Is Southwest Louisiana financially healthy?
On its 2025Q4 NCUA 5300 filing, Southwest Louisiana scores 82/100 (Excellent), with a 15.54% net worth ratio and 1.09% of loans delinquent. It ranks #2,398 of 4,374 nationally on health and #50 of 138 in Louisiana.
How does Southwest Louisiana compare to other credit unions?
Southwest Louisiana scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (98.60% vs 72.20%). Its widest shortfall is return on assets (0.18% vs 0.62%).
How can I join Southwest Louisiana?
Membership eligibility for Southwest Louisiana depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southwest Louisiana directly for current membership requirements and application steps.
Is my money safe at Southwest Louisiana?
Southwest Louisiana is a state-chartered credit union; its shares are federally 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. Southwest Louisiana's net worth ratio of 15.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.