Federal credit union · CHALMETTE, Louisiana · NCUA charter #12944
St. Bernard Parish School Board Emp
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $15.5M
- Total assets
- 3,581
- Members
- 37.6%
- Net-worth ratio
St. Bernard Parish School Board Emp scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.5M; members 3,581; net-worth ratio 37.64%; health rank #133 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#133 of 4,374 health · 2025Q4St. Bernard Parish School B… · health 97/100 · $15.5M · 2025Q4
- MEM 97/100
- RANK 37.6%
- PHOTO 0.83%
- BOOK 2.18%
- CHARTER $15.5M
- NCUSIF 3,581
- CAMELS #133/4,374
- HEALTH Scott Associates
- NW 12944
Call Report peers
St. Bernard Parish School Board Emp in the assets neighbourhood
St. Bernard Parish School Board Emp's $15.5M assets sit next to Scott Associates ($15.5M) 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.
St. Bernard Parish School Board Emp 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
97 Top 5% higher than 95% 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
St. Bernard Parish School Board Emp - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12944 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where St. Bernard Parish School Board Emp diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +22.78 pp (37.64% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. Bernard Parish School Board Emp in Louisiana
- Health composite ranks #3 of 138 among scored Louisiana credit unions.
- Assets rank #78 of 138 inside Louisiana ($15.5M reported).
- Member book place in Louisiana: #56 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.
St. Bernard Parish School Board Emp: 2025Q4 → 2026Q1
St. Bernard Parish School Board Emp: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $15.5M (2025Q4) to $15.7M (2026Q1).
- Net-worth ratio shifted +0.04 pp (37.60% → 37.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 37.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
St. Bernard Parish School Board Emp vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.64% | +22.78 pp |
| Delinquency Rate | 0.83% | -0.32 pp |
| Return on Assets | 2.18% | +1.48 pp |
| Member Growth | 15.11% | - |
| Loan-to-Share Ratio | 81.67% | +21.87 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).
Call Report history - St. Bernard Parish School Board Emp
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.7M | - |
| 2025Q4 | $15.5M | 3,581 |
| 2024Q4 | $15.9M | 3,111 |
| 2023Q4 | $15.9M | 3,098 |
Credit Union Details
- Charter Number
- 12944
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- CHALMETTE
- Data Quarter
- 2025Q4
Branch Location
St. Bernard Parish School Board Emp operates a single office in CHALMETTE, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ST. BERNARD PARISH SCHOOL BOARD EMPLOYEE FEDERAL CREDIT UNION (Main Office) | CHALMETTE, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
- TULANE/LOYOLANew Orleans, LA · $10M–$50M66Health
- BARTON PLANT EMPLOYEESBOUTTE, LA · $10M–$50M87Health
- VERMILION EMPLOYEESAbbeville, LA · $10M–$50M78Health
- FLEUR-DE-LISMetairie, LA · $10M–$50M80Health
- CADDO PARISH TEACHERSSHREVEPORT, LA · $10M–$50M91Health
Compare St. Bernard Parish School Board Emp vs TULANE/LOYOLA
St. Bernard Parish School Board Emp nationwide neighbourhoods
St. Bernard Parish School Board Emp's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- St. Bernard Parish School Board Emp ranks #133 of 4,374 nationally on financial health and #3 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TULANE/LOYOLA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TULANE/LOYOLA
- 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 St. Bernard Parish School Board Emp financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - St. Bernard Parish School Board Emp's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #133 of 4,374; by total assets it ranks #3,309 of 4,374 nationally (same basis as /rankings/largest); and #78 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 37.64% net worth ratio and 0.83% delinquency rate are the key drivers.
How does St. Bernard Parish School Board Emp compare to other credit unions?
St. Bernard Parish School Board Emp scores 97/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 St. Bernard Parish School Board Emp?
St. Bernard Parish School Board Emp is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact St. Bernard Parish School Board Emp directly to confirm eligibility.
Is my money safe at St. Bernard Parish School Board Emp?
Federal credit unions like St. Bernard Parish School Board Emp 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. St. Bernard Parish School Board Emp's net worth ratio of 37.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Bernard Parish School Board Emp offer compared to banks?
Credit unions like St. Bernard Parish School Board Emp 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 St. Bernard Parish School Board Emp 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.