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
- HEALTH 82/100
- NW 15.5%
- DELQ 1.09%
- ROA 0.18%
- ASSETS $177.8M
- MEM 19,190
- RANK #2,398/4,374
- PHOTO Compass Community
- BOOK 62756
Call Report peers
Southwest Louisiana in the assets neighbourhood
Southwest Louisiana's $177.8M assets sit next to Compass Community ($177.8M) 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.
Southwest Louisiana 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
82 43rd percentile higher than 43% 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
Southwest Louisiana - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62756: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southwest Louisiana: 2025Q4 → 2026Q1
Southwest Louisiana: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $177.8M (2025Q4) to $184.3M (2026Q1).
- Net-worth ratio shifted -0.41 pp (15.95% → 15.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Southwest Louisiana's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($177.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 Southwest Louisiana financially healthy?
A 15.54% net worth ratio and a 1.09% delinquency rate feed into Southwest Louisiana's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,398 of 4,374; by total assets it ranks #1,363 of 4,374 nationally (same basis as /rankings/largest); and #19 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Southwest Louisiana compare to other credit unions?
Five weighted metrics from NCUA filings produce Southwest Louisiana's 82/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Southwest Louisiana 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. Southwest Louisiana's net worth ratio of 15.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southwest Louisiana offer compared to banks?
Credit unions like Southwest Louisiana 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 Southwest Louisiana 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.