State credit union · Cedar Rapids, Iowa · NCUA charter #65062
St. Ludmila S
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $373K
- Total assets
- 104
- Members
- 29.4%
- Net-worth ratio
St. Ludmila S scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $373K; members 104; net-worth ratio 29.39%; health rank #1,740 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,740 of 4,374 health · 2025Q4St. Ludmila S · health 86/100 · $373K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Ludmila S vs every NCUA-scored credit union
St. Ludmila S sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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. Ludmila S vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 80.58% vs peer 52.70% (+27.88 pp).
- Widest shortfall vs peers is Return on Assets: -0.22 pp (-0.00% vs 0.22%).
St. Ludmila S: in-state Call Report ranks
- Health composite ranks #31 of 66 among scored Iowa credit unions.
- By total assets, St. Ludmila S is #66 of 66 in Iowa.
- Iowa membership ordinal: #66 of 66.
- One place up in Iowa, Dutrac Community (#30) scores 87/100, 1 point higher; one place down, SERVE (#32) ties at 86/100.
St. Ludmila S Call Report trajectory
St. Ludmila S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $373K (2025Q4) to $375K (2026Q1).
- Net-worth ratio shifted -0.17 pp (29.56% → 29.39%).
At 29.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
St. Ludmila S gives up 14 points in total. Return on Assets costs the most, 10.5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.5 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 15.1 pts
St. Ludmila S health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.39% | +6.46 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -0.00% | -0.22 pp |
| Member Growth | 1.96% | - |
| Loan-to-Share Ratio | 80.58% | +27.88 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
St. Ludmila S quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $375K | - |
| 2025Q4 | $373K | 104 |
| 2024Q4 | $345K | 102 |
| 2023Q4 | $347K | 105 |
Credit Union Details
- Charter Number
- 65062
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Iowa
- City
- Cedar Rapids
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for St. Ludmila S.
| Office | City |
|---|---|
| St. Ludmila Credit Union (Main Office) | Cedar Rapids, IA |
| St. Ludmila Credit Union | Cedar Rapids, IA |
| St. Ludmila Credit Union | Cedar Rapids, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- St. Ludmila S ranks #1,740 of 4,374 nationally on financial health and #31 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Athanasius is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Athanasius
Frequently Asked Questions
Is St. Ludmila S financially healthy?
St. Ludmila S has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,740 of 4,374 nationally on health and #31 of 66 in Iowa. Its net worth ratio is 29.39% and its delinquency rate 0.00%.
How does St. Ludmila S compare to other credit unions?
St. Ludmila S scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (80.58% vs 52.70%). Its widest shortfall is return on assets (-0.00% vs 0.22%).
How can I join St. Ludmila S?
Membership eligibility for St. Ludmila S depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Ludmila S directly for current membership requirements and application steps.
Is my money safe at St. Ludmila S?
St. Ludmila S 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. St. Ludmila S's net worth ratio of 29.39% 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.