Federal credit union · Franklin, Louisiana · NCUA charter #22417
St. Mary Parish School Emp.
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $472K
- Total assets
- 266
- Members
- 23.0%
- Net-worth ratio
St. Mary Parish School Emp. scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $472K; members 266; net-worth ratio 23.03%; health rank #3,317 of 4,374; healthier than 23rd of scored peers.
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NCUA 5300 Call Report Masthead
#3,317 of 4,374 health · 2025Q4St. Mary Parish School Emp. · health 74/100 · $472K · 2025Q4
Call Report peers
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St. Mary Parish School Emp. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Mary Parish School Emp. sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where St. Mary Parish School Emp. diverges from peer averages
- Largest favorable gap: Delinquency Rate at 1.81% vs peer 4.48% (-2.66 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.30 pp (40.40% vs 52.70%).
Louisiana standing for St. Mary Parish School Emp.
- In Louisiana, health place is #84 of 138 on the same NCUA-ratio sort used nationally.
- Louisiana assets place: #135 of 138.
- Membership ranks #128 of 138 among Louisiana CUs with a reported count (266 members).
- One place up in Louisiana, New Orleans Public Belt Railroad (#83) ties at 74/100; one place down, G. C. a. (#85) scores 73/100, 1 point lower.
St. Mary Parish School Emp. Call Report trajectory
St. Mary Parish School Emp.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.7% from $472K (2025Q4) to $445K (2026Q1).
- Net-worth ratio shifted +1.43 pp (21.60% → 23.03%).
At 23.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
St. Mary Parish School Emp. gives up 26 points in total. Delinquency Rate costs the most, 11.1 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.9 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 10.1 pts
St. Mary Parish School Emp. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.03% | +0.10 pp |
| Delinquency Rate | 1.81% | -2.66 pp |
| Return on Assets | 1.14% | +0.92 pp |
| Member Growth | -2.21% | - |
| Loan-to-Share Ratio | 40.40% | -12.30 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - St. Mary Parish School Emp.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $445K | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for St. Mary Parish School Emp., spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Franklin, LA |
| FedComp | Fairfax, VA |
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.
- NEW ORLEANS PUBLIC BELT RAILROADNEW ORLEANS, LA · Under $2M74Health
- UNIONFARMERVILLE, LA · Under $2M73Health
- COGICLafayette, LA · Under $2M54Health
- RICHLAND PARISH SCHOOLSRayville, LA · Under $2M40Health
- AVENUE BAPTIST BROTHERHOODShreveport, LA · Under $2M75Health
Compare St. Mary Parish School Emp. vs NEW ORLEANS PUBLIC BELT RAILROAD
Other-state peers near St. Mary Parish School Emp.
Similar health score
Using this data
- St. Mary Parish School Emp. ranks #3,317 of 4,374 nationally on financial health and #84 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Orleans Public Belt Railroad is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Orleans Public Belt Railroad
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) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,317 of 4,374 nationally on health and #84 of 138 in Louisiana. Its net worth ratio is 23.03% and its delinquency rate 1.81%.
How does St. Mary Parish School Emp. compare to other credit unions?
St. Mary Parish School Emp. scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (1.81% vs 4.48%). Its widest shortfall is loan-to-share ratio (40.40% vs 52.70%).
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.?
St. Mary Parish School Emp. is a federal 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. Mary Parish School Emp.'s net worth ratio of 23.03% 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.