Federal credit union · Lafayette, Louisiana · NCUA charter #12570
University of Louisiana
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $60.2M
- Total assets
- 6,473
- Members
- 11.6%
- Net-worth ratio
University of Louisiana - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12570 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
University of Louisiana - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)64
- Member growth26
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.61% | 30% |
| Delinquency Rate | 0.49% | 25% |
| Return on Assets | 0.14% | 15% |
| Member Growth | -2.82% | 15% |
| Loan-to-Share Ratio | 75.69% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $60.2M | 6,473 |
| 2024Q4 | $58.4M | 6,661 |
| 2023Q4 | $57.2M | 6,554 |
Credit Union Details
- Charter Number
- 12570
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- Lafayette
- Data Quarter
- 2025Q4
What This Data Says About University of Louisiana
University of Louisiana is a federal credit union headquartered in Lafayette, Louisiana, serving 6,473 members with $60.2M in total assets and $41.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 84/100 (Excellent), anchored by a net worth ratio of 11.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #12570 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.49% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 75.69% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.14% on net income of $85K 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 -2.82%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
- CALCASIEU TEACHERS AND EMPLOYEESLake Charles, LA · $50M–$100M87Health
- FIRST PIONEERSLAFAYETTE, LA · $50M–$100M70Health
- FIRST STREETDERIDDER, LA · $50M–$100M93Health
- POST OFFICE EMPLOYEESShreveport, LA · $50M–$100M71Health
- BATON ROUGE CITY PARISH EMPBATON ROUGE, LA · $50M–$100M83Health
Compare University of Louisiana vs CALCASIEU TEACHERS AND EMPLOYEES
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 University of Louisiana financially healthy?
University of Louisiana scores 84/100 (Excellent) 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 11.61% net worth ratio and a 0.49% delinquency rate.
How does University of Louisiana compare to other credit unions?
PlainCU's health composite puts University of Louisiana at 84/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 University of Louisiana?
University of Louisiana 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 University of Louisiana directly for the exact boundaries and application steps.
Is my money safe at University of Louisiana?
Federal credit unions like University of Louisiana 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. University of Louisiana's net worth ratio of 11.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does University of Louisiana offer compared to banks?
Credit unions like University of Louisiana 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 University of Louisiana 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.