Federal credit union · CHALMETTE, Louisiana · NCUA charter #12944
St. Bernard Parish School Board Emp
Health score 97/100 (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 - 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.
St. Bernard Parish School Board Emp - 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)100
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 37.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 37.60% | 30% |
| Delinquency Rate | 0.83% | 25% |
| Return on Assets | 2.18% | 15% |
| Member Growth | 15.11% | 15% |
| Loan-to-Share Ratio | 81.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About St. Bernard Parish School Board Emp
3,581 members and $15.5M in total assets sit behind St. Bernard Parish School Board Emp, a federal credit union in CHALMETTE, Louisiana, which posts a health score of 97/100 (Excellent) on the five-factor composite, with $7.9M in outstanding loans as of Q4 2025 and a net worth ratio of 37.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12944 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.83% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 81.67% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.18% on net income of $339K 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 15.11%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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–$50M57Health
- 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
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 37.60% 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 37.60% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.