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
- CHARTER 68/100
- NCUSIF 24.8%
- CAMELS 6.65%
- HEALTH 1.28%
- NW $2.4M
- DELQ 1,092
- ROA #3,689/4,374
- ASSETS n/a
- MEM 12735
Call Report peers
W B R T carries $2.4M 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.
W B R T 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12735 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
W B R T Call Report trajectory
W B R T: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $2.4M (2025Q4) to $2.4M (2026Q1).
- Net-worth ratio shifted -0.65 pp (25.49% → 24.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
W B R T'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 (68/100 here).
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
- 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 W B R T financially healthy?
W B R T has a financial health score of 68/100 (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 #3,689 of 4,374; by total assets it ranks #4,098 of 4,374 nationally (same basis as /rankings/largest); and #117 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 24.84% and delinquency rate of 6.65%.
How does W B R T compare to other credit unions?
W B R T scores 68/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like W B R T 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. W B R T's net worth ratio of 24.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does W B R T offer compared to banks?
Credit unions like W B R T 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 W B R T 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.