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
- DELQ 57/100
- ROA 7.3%
- ASSETS 0.26%
- MEM -0.68%
- RANK $53.3M
- PHOTO 4,481
- BOOK #4,148/4,374
- CHARTER Northwest Hills
- NCUSIF 22369
Call Report peers
Total Choice in the assets neighbourhood
Total Choice's $53.3M assets sit next to Northwest Hills ($53.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
57 5th percentile higher than 5% 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
Total Choice - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #22369: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Total Choice: 2025Q4 → 2026Q1
Total Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $53.3M (2025Q4) to $55.1M (2026Q1).
- Net-worth ratio shifted -0.29 pp (7.59% → 7.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Total Choice's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
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'
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Total Choice financially healthy?
Yes/no aside, the number is 57/100 (Fair) - Total Choice's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,148 of 4,374; by total assets it ranks #2,356 of 4,374 nationally (same basis as /rankings/largest); and #44 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.30% net worth ratio and 0.26% delinquency rate are the key drivers.
How does Total Choice compare to other credit unions?
57/100 is Total Choice's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Total Choice 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. Total Choice's net worth ratio of 7.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Total Choice offer compared to banks?
Credit unions like Total Choice 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 Total Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.