Federal credit union · Franklin, Louisiana · NCUA charter #22417
St. Mary Parish School Emp.
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $472K
- Total assets
- 266
- Members
- 21.6%
- Net-worth ratio
St. Mary Parish School Emp. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #22417: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
St. Mary Parish School Emp. - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)56
- Earnings (ROA)100
- Member growth34
- Liquidity (loan-to-share)64
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 21.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.60% | 30% |
| Delinquency Rate | 1.81% | 25% |
| Return on Assets | 1.14% | 15% |
| Member Growth | -2.21% | 15% |
| Loan-to-Share Ratio | 40.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $472K | 266 |
| 2024Q4 | $528K | 272 |
| 2023Q4 | $448K | 285 |
Credit Union Details
- Charter Number
- 22417
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Louisiana
- City
- Franklin
- Data Quarter
- 2025Q4
What This Data Says About St. Mary Parish School Emp.
266 members and $472K in total assets sit behind St. Mary Parish School Emp., a federal credit union in Franklin, Louisiana, which posts a health score of 74/100 (Very Good) on the five-factor composite, with $137K in outstanding loans as of Q4 2025 and a net worth ratio of 21.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #22417 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.81% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 40.40% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.14% on net income of $5K 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 -2.21%. 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
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
- NEW ORLEANS PUBLIC BELT RAILROADNEW ORLEANS, LA · Under $2M74Health
- UNIONFARMERVILLE, LA · Under $2M73Health
- COGICLafayette, LA · Under $2M62Health
- RICHLAND PARISH SCHOOLSRayville, LA · Under $2M40Health
- AVENUE BAPTIST BROTHERHOODShreveport, LA · Under $2M75Health
Compare St. Mary Parish School Emp. vs NEW ORLEANS PUBLIC BELT RAILROAD
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. Mary Parish School Emp. financially healthy?
St. Mary Parish School Emp. has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.60% and delinquency rate of 1.81%.
How does St. Mary Parish School Emp. compare to other credit unions?
74/100 is St. Mary Parish School Emp.'s score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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. Mary Parish School Emp.?
St. Mary Parish School 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. Mary Parish School Emp. directly to confirm eligibility.
Is my money safe at St. Mary Parish School Emp.?
Federal credit unions like St. Mary Parish School 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. Mary Parish School Emp.'s net worth ratio of 21.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Mary Parish School Emp. offer compared to banks?
Credit unions like St. Mary Parish School 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. Mary Parish School 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.