State credit union · Abbeville, Louisiana · NCUA charter #61540
Vermilion Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $14.4M
- Total assets
- 2,422
- Members
- 13.6%
- Net-worth ratio
Vermilion Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61540 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Vermilion Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)49
- Earnings (ROA)67
- Member growth69
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.64% | 30% |
| Delinquency Rate | 2.04% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | 1.17% | 15% |
| Loan-to-Share Ratio | 75.64% | 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 | $14.4M | 2,422 |
| 2024Q4 | $14.6M | 2,394 |
| 2023Q4 | $14.9M | 2,060 |
Credit Union Details
- Charter Number
- 61540
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Abbeville
- Data Quarter
- 2025Q4
What This Data Says About Vermilion Employees
Headquartered in Abbeville, Louisiana, Vermilion Employees is a state credit union with 2,422 members, $14.4M in total assets, and $9.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 78/100 (Very Good), driven in part by a net worth ratio of 13.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #61540 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 2.04% 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 looser than peers - and a 75.64% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.17% on net income of $25K 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 1.17%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
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 Vermilion Employees financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Vermilion Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.64% net worth ratio and 2.04% delinquency rate are the key drivers.
How does Vermilion Employees compare to other credit unions?
Vermilion Employees scores 78/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Vermilion Employees?
Membership eligibility for Vermilion Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Vermilion Employees directly for current membership requirements and application steps.
Is my money safe at Vermilion Employees?
Federal credit unions like Vermilion Employees 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. Vermilion Employees's net worth ratio of 13.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vermilion Employees offer compared to banks?
Credit unions like Vermilion Employees 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 Vermilion Employees 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.