Federal credit union · Port Allen, Louisiana · NCUA charter #12735
W B R T
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $2.4M
- Total assets
- 1,092
- Members
- 24.8%
- Net-worth ratio
W B R T scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.4M; members 1,092; net-worth ratio 24.84%; health rank #3,689 of 4,374; healthier than 15th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,689 of 4,374 health · 2025Q4W B R T · health 68/100 · $2.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
W B R T vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); W B R T sits in 65-69 with 275 others.
68 15th percentile higher than 15% 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
W B R T: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 94.42% vs peer 63.60% (+30.82 pp).
- Widest shortfall vs peers is Delinquency Rate: +4.85 pp (6.65% vs 1.81%).
Louisiana standing for W B R T
- In Louisiana, health place is #99 of 138 on the same NCUA-ratio sort used nationally.
- Louisiana assets place: #117 of 138.
- Louisiana membership ordinal: #97 of 138.
- One place up in Louisiana, Municipal Employees (#98) ties at 68/100; one place down, S T S P (#100) ties at 68/100.
W B R T Call Report trajectory
W B R T: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $2.4M (2025Q4) to $2.4M (2026Q1).
- Net-worth ratio shifted -0.65 pp (25.49% → 24.84%).
24.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
W B R T gives up 32 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 13.4 pts
W B R T health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.84% | +5.78 pp |
| Delinquency Rate | 6.65% | +4.85 pp |
| Return on Assets | 1.28% | +0.83 pp |
| Member Growth | 0.46% | - |
| Loan-to-Share Ratio | 94.42% | +30.82 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - W B R T
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.4M | - |
| 2025Q4 | $2.4M | 1,092 |
| 2024Q4 | $2.4M | 1,087 |
| 2023Q4 | $2.5M | 1,082 |
Credit Union Details
- Charter Number
- 12735
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- Port Allen
- Data Quarter
- 2025Q4
Branch Location
W B R T operates a single office in Port Allen, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WBRT FCU (Main Office) | Port Allen, LA |
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.
- T E AHouma, LA · $2M–$10M82Health
- SOUTHEAST LOUISIANA VETERANS HEALTHNew Orleans, LA · $2M–$10M98Health
- CONCORDIA PARISH SCHOOL EMPFERRIDAY, LA · $2M–$10M78Health
- N.O. PORT COMMISSION EMPLOYEESNew Orleans, LA · $2M–$10M63Health
- ELECTRICAL WORKERS LOCAL 130METAIRIE, LA · $2M–$10M82Health
Nationwide credit unions with similar profiles
Similar health score
Using this data
- W B R T ranks #3,689 of 4,374 nationally on financial health and #99 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- T E a is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with T E a
Frequently Asked Questions
Is W B R T financially healthy?
W B R T has a financial health score of 68/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,689 of 4,374 nationally on health and #99 of 138 in Louisiana. Its net worth ratio is 24.84% and its delinquency rate 6.65%.
How does W B R T compare to other credit unions?
W B R T scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (94.42% vs 63.60%). Its widest shortfall is delinquency rate (6.65% vs 1.81%).
How can I join W B R T?
W B R T 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 W B R T directly for the exact boundaries and application steps.
Is my money safe at W B R T?
W B R T is a federal credit union; its shares are federally 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. W B R T's net worth ratio of 24.84% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.