Federal credit union · Hahnville, Louisiana · NCUA charter #22369
Total Choice
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $53.3M
- Total assets
- 4,481
- Members
- 7.3%
- Net-worth ratio
Total Choice scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.3M; members 4,481; net-worth ratio 7.30%; health rank #4,148 of 4,374; healthier than 5th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,148 of 4,374 health · 2025Q4Total Choice · health 57/100 · $53.3M · 2025Q4
Call Report peers
Total Choice in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Total Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Total Choice sits in 55-59 with 115 others.
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Total Choice
- Delinquency Rate leads the peer set - 0.26% here, 0.96% peer average (-0.70 pp).
- Loan-to-Share Ratio trails the peer set - 35.55% here, 62.60% peer average (-27.05 pp).
Total Choice in Louisiana
- Health composite ranks #122 of 138 among scored Louisiana credit unions.
- Assets rank #44 of 138 inside Louisiana ($53.3M reported).
- Louisiana membership ordinal: #48 of 138.
- One place up in Louisiana, ESSENTIAL (#121) ties at 57/100; one place down, La Terre (#123) ties at 57/100.
Total Choice: 2025Q4 → 2026Q1
Total Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $53.3M (2025Q4) to $55.1M (2026Q1).
- Net-worth ratio shifted -0.29 pp (7.59% → 7.30%).
7.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 57/100 score is built
Total Choice gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 23.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.8 pts
Call Report ratios for Total Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.30% | -6.32 pp |
| Delinquency Rate | 0.26% | -0.70 pp |
| Return on Assets | -0.68% | -1.34 pp |
| Member Growth | -19.13% | - |
| Loan-to-Share Ratio | 35.55% | -27.05 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.1M | - |
| 2025Q4 | $53.3M | 4,481 |
| 2024Q4 | $59.8M | 5,541 |
| 2023Q4 | $62.1M | 5,877 |
Credit Union Details
- Charter Number
- 22369
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- Hahnville
- Data Quarter
- 2025Q4
Branch Locations (3)
Total Choice operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hahnville Office (Main Office) | Hahnville, LA |
| Boutte Office | Boutte, LA |
| LaPlace Office | La Place, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
Total Choice nationwide neighbourhoods
Using this data
- Total Choice ranks #4,148 of 4,374 nationally on financial health and #122 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Post Office Employees' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Post Office Employees'
Frequently Asked Questions
Is Total Choice financially healthy?
Total Choice has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,148 of 4,374 nationally on health and #122 of 138 in Louisiana. Its net worth ratio is 7.30% and its delinquency rate 0.26%.
How does Total Choice compare to other credit unions?
Total Choice scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.26% vs 0.96%). Its widest shortfall is loan-to-share ratio (35.55% vs 62.60%).
How can I join Total Choice?
Total Choice 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 Total Choice directly for the exact boundaries and application steps.
Is my money safe at Total Choice?
Total Choice 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. Total Choice's net worth ratio of 7.30% 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.