Federal credit union · MINDEN, Louisiana · NCUA charter #22219

U B C Southern Council Industria Wo

Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

75
Health / 100
$783K
Total assets
347
Members
39.1%
Net-worth ratio

U B C Southern Council Industria Wo - Share Insurance Coverage

Charter #22219's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for U B C Southern Council Industria Wo Share insurance under NCUSIF covers up to $250,000 per share owner. U B C Southern Council Industria Wo holds approximately $475K in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 30.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 30.0% · $475K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

U B C Southern Council Industria Wo - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 39.06% 30% weight
  • Asset quality (delinquency) 0.47% 25% weight
  • Earnings (ROA) 0.50% 15% weight
  • Member growth -5.45% 15% weight
  • Liquidity (loan-to-share) 113% 15% weight

Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 39.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$783K
Total Assets
347
Members
$539K
Total Loans
$475K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 39.06% 30%
Delinquency Rate 0.47% 25%
Return on Assets 0.50% 15%
Member Growth -5.45% 15%
Loan-to-Share Ratio 113.50% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $783K 347
2024Q4 $833K 367
2023Q4 $777K 379

Credit Union Details

Charter Number
22219
Type
Federal
Field of Membership
Community
Peer Group
Under $2M
State
Louisiana
City
MINDEN
Data Quarter
2025Q4

What This Data Says About U B C Southern Council Industria Wo

Headquartered in MINDEN, Louisiana, U B C Southern Council Industria Wo is a federal credit union with 347 members, $783K in total assets, and $539K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 75/100 (Very Good), driven in part by a net worth ratio of 39.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #22219 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.

Deposits deployed into lending sit at a 113.50% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.47% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.50% on net income of $4K 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 -5.45%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

Nearby Credit Unions in Louisiana

Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.

Compare U B C Southern Council Industria Wo vs S T S P

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 U B C Southern Council Industria Wo financially healthy?

A 39.06% net worth ratio and a 0.47% delinquency rate feed into U B C Southern Council Industria Wo's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.

How does U B C Southern Council Industria Wo compare to other credit unions?

75/100 is U B C Southern Council Industria Wo's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 U B C Southern Council Industria Wo?

U B C Southern Council Industria Wo 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 U B C Southern Council Industria Wo directly for the exact boundaries and application steps.

Is my money safe at U B C Southern Council Industria Wo?

Federal credit unions like U B C Southern Council Industria Wo 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. U B C Southern Council Industria Wo's net worth ratio of 39.06% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does U B C Southern Council Industria Wo offer compared to banks?

Credit unions like U B C Southern Council Industria Wo 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 U B C Southern Council Industria Wo 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.