Federal credit union · FRANKLINTON, Louisiana · NCUA charter #16256
Washington Educational Assoc
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.0M
- Total assets
- 322
- Members
- 9.9%
- Net-worth ratio
Washington Educational Assoc scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.0M; members 322; net-worth ratio 9.87%; health rank #3,606 of 4,374; healthier than 17th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,606 of 4,374 health · 2025Q4Washington Educational Assoc · health 70/100 · $1.0M · 2025Q4
- RANK 70/100
- PHOTO 9.9%
- BOOK 1.87%
- CHARTER 1.29%
- NCUSIF $1.0M
- CAMELS 322
- HEALTH #3,606/4,374
- NW n/a
- DELQ 16256
Washington Educational Assoc carries $1.0M 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.
Washington Educational Assoc 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
70 17th percentile higher than 17% 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
Washington Educational Assoc - Share Insurance Coverage
Charter #16256's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Washington Educational Assoc
- Largest favorable gap: Loan-to-Share Ratio at 57.33% vs peer 52.70% (+4.63 pp).
- Largest lag: Net Worth Ratio at 9.87% vs peer 22.93% (-13.06 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Louisiana standing for Washington Educational Assoc
- Louisiana health ordinal: #94 of 138.
- By total assets, Washington Educational Assoc is #123 of 138 in Louisiana.
- Member book place in Louisiana: #125 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.
Washington Educational Assoc: 2025Q4 → 2026Q1
Washington Educational Assoc: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.7% from $1.0M (2025Q4) to $988K (2026Q1).
- Net-worth ratio shifted -1.63 pp (11.50% → 9.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 13.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.87% | -13.06 pp |
| Delinquency Rate | 1.87% | -2.61 pp |
| Return on Assets | 1.29% | +1.07 pp |
| Member Growth | -13.21% | - |
| Loan-to-Share Ratio | 57.33% | +4.63 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).
Washington Educational Assoc filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $988K | - |
| 2025Q4 | $1.0M | 322 |
| 2024Q4 | $1.0M | 371 |
| 2023Q4 | $1.1M | 379 |
Credit Union Details
- Charter Number
- 16256
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Louisiana
- City
- FRANKLINTON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Washington Educational Assoc.
| Office | City |
|---|---|
| WASHINGTON EDUCATIONAL ASSOCIATION FEDERAL CREDIT UNION (Main Office) | FRANKLINTON, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
- TEAMSTERS LOCAL UNION #270NEW ORLEANS, LA · Under $2M59Health
- GRAPHIC ARTSShreveport, LA · Under $2M37Health
- G G WNew Orleans, LA · Under $2M78Health
- FOURTH WARDamite, LA · Under $2M65Health
- S T S PLacombe, LA · Under $2M68Health
Compare Washington Educational Assoc vs TEAMSTERS LOCAL UNION #270
Other-state peers near Washington Educational Assoc
Washington Educational Assoc'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 (70/100 here).
Using this data
- Washington Educational Assoc ranks #3,606 of 4,374 nationally on financial health and #94 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Teamsters Local Union #270 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Teamsters Local Union #270
- 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 Washington Educational Assoc financially healthy?
Washington Educational Assoc scores 70/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,606 of 4,374; by total assets it ranks #4,229 of 4,374 nationally (same basis as /rankings/largest); and #123 of 138 within Louisiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.87% net worth ratio and a 1.87% delinquency rate.
How does Washington Educational Assoc compare to other credit unions?
70/100 is Washington Educational Assoc's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Washington Educational Assoc?
Washington Educational Assoc is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Washington Educational Assoc directly to confirm eligibility.
Is my money safe at Washington Educational Assoc?
Federal credit unions like Washington Educational Assoc 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. Washington Educational Assoc's net worth ratio of 9.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Washington Educational Assoc offer compared to banks?
Credit unions like Washington Educational Assoc 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 Washington Educational Assoc 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.