Federal credit union · Houma, Louisiana · NCUA charter #18462
T E a
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $2.5M
- Total assets
- 941
- Members
- 8.1%
- Net-worth ratio
T E a scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 941; net-worth ratio 8.09%; health rank #2,496 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,496 of 4,374 health · 2025Q4T E a · health 82/100 · $2.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
T E a vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); T E a sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
T E a: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.21% vs peer 1.81% (-1.60 pp).
- Net Worth Ratio trails the peer set - 8.09% here, 19.06% peer average (-10.97 pp).
Where T E a sits in Louisiana
- Health composite ranks #55 of 138 among scored Louisiana credit unions.
- Assets rank #116 of 138 inside Louisiana ($2.5M reported).
- Louisiana membership ordinal: #100 of 138.
- One place up in Louisiana, La Capitol (#54) ties at 82/100; one place down, Gp Louisiana (#56) scores 81/100, 1 point lower.
How T E a's 5300 filing moved
T E a: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $2.5M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.22% → 8.09%).
At 8.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
T E a gives up 18 points in total. Return on Assets costs the most, 8.1 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 6.9 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 13.8 pts
T E a health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.09% | -10.97 pp |
| Delinquency Rate | 0.21% | -1.60 pp |
| Return on Assets | 0.05% | -0.40 pp |
| Member Growth | 1.73% | - |
| Loan-to-Share Ratio | 63.96% | +0.36 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
T E a quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.5M | 941 |
| 2024Q4 | $2.5M | 925 |
| 2023Q4 | $2.5M | 887 |
Credit Union Details
- Charter Number
- 18462
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- Houma
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for T E a.
| Office | City |
|---|---|
| T. E. A. Federal Credit Union (Main Office) | Houma, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
- W B R TPort Allen, LA · $2M–$10M68Health
- SOUTHEAST LOUISIANA VETERANS HEALTHNew Orleans, LA · $2M–$10M98Health
- CONCORDIA PARISH SCHOOL EMPFERRIDAY, LA · $2M–$10M78Health
- N.O. PORT COMMISSION EMPLOYEESNew Orleans, LA · $2M–$10M63Health
- ELECTRICAL WORKERS LOCAL 130METAIRIE, LA · $2M–$10M82Health
Nationwide credit unions with similar profiles
Using this data
- T E a ranks #2,496 of 4,374 nationally on financial health and #55 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- W B R T is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with W B R T
Frequently Asked Questions
Is T E a financially healthy?
On its 2025Q4 NCUA 5300 filing, T E a scores 82/100 (Excellent), with a 8.09% net worth ratio and 0.21% of loans delinquent. It ranks #2,496 of 4,374 nationally on health and #55 of 138 in Louisiana.
How does T E a compare to other credit unions?
T E a scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.21% vs 1.81%). Its widest shortfall is net worth ratio (8.09% vs 19.06%).
How can I join T E a?
T E a operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact T E a directly for the exact boundaries and application steps.
Is my money safe at T E a?
T E a 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. T E a's net worth ratio of 8.09% 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.