Federal credit union · New Orleans, Louisiana · NCUA charter #23540
Tulane/loyola
Health score 57/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $15.5M
- Total assets
- 3,208
- Members
- 5.7%
- Net-worth ratio
Tulane/loyola - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23540: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Tulane/loyola - 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)48
- Asset quality (delinquency)77
- Earnings (ROA)0
- Member growth54
- Liquidity (loan-to-share)100
Weighted composite: 57/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.72% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.72% | 30% |
| Delinquency Rate | 1.09% | 25% |
| Return on Assets | -0.95% | 15% |
| Member Growth | -0.50% | 15% |
| Loan-to-Share Ratio | 86.56% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $15.5M | 3,208 |
| 2024Q4 | $16.3M | 3,224 |
| 2023Q4 | $17.4M | 3,325 |
Credit Union Details
- Charter Number
- 23540
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- New Orleans
- Data Quarter
- 2025Q4
What This Data Says About Tulane/loyola
Charter #23540, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Tulane/loyola, a federal credit union in New Orleans, Louisiana with 3,208 members, $15.5M in total assets, and $12.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 57/100 (Fair), helped by a net worth ratio of 5.72% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 1.09% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 86.56% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.95% on net income of $-146424 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 -0.50%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
- ST. BERNARD PARISH SCHOOL BOARD EMPCHALMETTE, LA · $10M–$50M97Health
- BARTON PLANT EMPLOYEESBOUTTE, LA · $10M–$50M87Health
- VERMILION EMPLOYEESAbbeville, LA · $10M–$50M78Health
- FLEUR-DE-LISMetairie, LA · $10M–$50M80Health
- CADDO PARISH TEACHERSSHREVEPORT, LA · $10M–$50M91Health
Compare Tulane/loyola vs ST. BERNARD PARISH SCHOOL BOARD EMP
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 Tulane/loyola financially healthy?
Tulane/loyola scores 57/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 5.72% net worth ratio and a 1.09% delinquency rate.
How does Tulane/loyola compare to other credit unions?
Five weighted metrics from NCUA filings produce Tulane/loyola's 57/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Tulane/loyola?
Tulane/loyola 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 Tulane/loyola directly for the exact boundaries and application steps.
Is my money safe at Tulane/loyola?
Federal credit unions like Tulane/loyola 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. Tulane/loyola's net worth ratio of 5.72% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Tulane/loyola offer compared to banks?
Credit unions like Tulane/loyola 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 Tulane/loyola 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.