Federal credit union · MINDEN, Louisiana · NCUA charter #22219
U B C Southern Council Industria Wo
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $783K
- Total assets
- 347
- Members
- 38.5%
- Net-worth ratio
U B C Southern Council Industria Wo scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $783K; members 347; net-worth ratio 38.49%; health rank #3,223 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,223 of 4,374 health · 2025Q4U B C Southern Council Indu… · health 75/100 · $783K · 2025Q4
- CAMELS 75/100
- HEALTH 38.5%
- NW 0.47%
- DELQ 0.50%
- ROA $783K
- ASSETS 347
- MEM #3,223/4,374
- RANK n/a
- PHOTO 22219
Call Report peers
U B C Southern Council Industria Wo carries $783K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U B C Southern Council Industria Wo 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
75 24th percentile higher than 24% 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
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.
U B C Southern Council Industria Wo vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +60.80 pp (113.50% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where U B C Southern Council Industria Wo sits in Louisiana
- In Louisiana, health place is #77 of 138 on the same NCUA-ratio sort used nationally.
- Louisiana assets place: #129 of 138.
- Louisiana membership ordinal: #124 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.
How U B C Southern Council Industria Wo's 5300 filing moved
U B C Southern Council Industria Wo: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $783K (2025Q4) to $801K (2026Q1).
- Net-worth ratio shifted -0.57 pp (39.06% → 38.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 38.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 5.0 pts
Call Report ratios for U B C Southern Council Industria Wo
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 38.49% | +15.56 pp |
| Delinquency Rate | 0.47% | -4.01 pp |
| Return on Assets | 0.50% | +0.28 pp |
| Member Growth | -5.45% | - |
| Loan-to-Share Ratio | 113.50% | +60.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $801K | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for U B C Southern Council Industria Wo, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| UBC SOUTHERN COUNCIL OF INDUSTRIAL WORKERS FEDERAL CREDIT UNION (Main Office) | MINDEN, LA |
| FISERV | BROOKFIELD, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Cross-state Call Report peers for U B C Southern Council Indu…
Cross-state asset and health neighbours for U B C Southern Council Industria Wo - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- U B C Southern Council Industria Wo ranks #3,223 of 4,374 nationally on financial health and #77 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- S T S P is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with S T S P
- 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 U B C Southern Council Industria Wo financially healthy?
A 38.49% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,223 of 4,374; by total assets it ranks #4,262 of 4,374 nationally (same basis as /rankings/largest); and #129 of 138 within Louisiana. 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 38.49% 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.
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.