Federal credit union · FARMERVILLE, Louisiana · NCUA charter #7301
UNION
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $564K
- Total assets
- 572
- Members
- 22.8%
- Net-worth ratio
UNION scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $564K; members 572; net-worth ratio 22.77%; health rank #3,381 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,381 of 4,374 health · 2025Q4UNION · health 73/100 · $564K · 2025Q4
- ROA 73/100
- ASSETS 22.8%
- MEM 0.00%
- RANK -3.62%
- PHOTO $564K
- BOOK 572
- CHARTER #3,381/4,374
- NCUSIF n/a
- CAMELS 7301
Call Report peers
UNION carries $564K 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.
UNION 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
73 21st percentile higher than 21% 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
UNION - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7301. See our deposit-insurance coverage note.
Where UNION diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Loan-to-Share Ratio trails the peer set - 31.39% here, 52.70% peer average (-21.31 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
UNION: in-state Call Report ranks
- Health composite ranks #86 of 138 among scored Louisiana credit unions.
- Assets rank #134 of 138 inside Louisiana ($564K reported).
- Louisiana membership ordinal: #117 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 UNION's 5300 filing moved
UNION: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.7% from $564K (2025Q4) to $596K (2026Q1).
- Net-worth ratio shifted -2.35 pp (25.12% → 22.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 22.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 8.4 pts
Call Report ratios for UNION
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.77% | -0.16 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -3.62% | -3.84 pp |
| Member Growth | 0.53% | - |
| Loan-to-Share Ratio | 31.39% | -21.31 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).
UNION quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $596K | - |
| 2025Q4 | $564K | 572 |
| 2024Q4 | $604K | 569 |
| 2023Q4 | $704K | 571 |
Credit Union Details
- Charter Number
- 7301
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Under $2M
- State
- Louisiana
- City
- FARMERVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
UNION operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Union Federal Credit Union (Main Office) | Farmerville, LA |
| Underground Vaults & Storage | Hutchinson, KS |
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.
- RICHLAND PARISH SCHOOLSRayville, LA · Under $2M40Health
- AVENUE BAPTIST BROTHERHOODShreveport, LA · Under $2M75Health
- MUNICIPAL EMPLOYEESBOGALUSA, LA · Under $2M68Health
- IMMACULATE HEART OF MARYLafayette, LA · Under $2M55Health
- ST. MARY PARISH SCHOOL EMP.Franklin, LA · Under $2M74Health
Other-state peers near UNION
UNION's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- UNION ranks #3,381 of 4,374 nationally on financial health and #86 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Richland Parish Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Richland Parish Schools
- 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 UNION financially healthy?
UNION has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,381 of 4,374; by total assets it ranks #4,287 of 4,374 nationally (same basis as /rankings/largest); and #134 of 138 within Louisiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 22.77% and delinquency rate of 0.00%.
How does UNION compare to other credit unions?
UNION scores 73/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 UNION?
UNION 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 UNION directly for the exact boundaries and application steps.
Is my money safe at UNION?
Federal credit unions like UNION 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. UNION's net worth ratio of 22.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does UNION offer compared to banks?
Credit unions like UNION 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 UNION 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.