Federal credit union · SHREVEPORT, Louisiana · NCUA charter #8921
Willis Knighton
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $44.8M
- Total assets
- 8,192
- Members
- 18.6%
- Net-worth ratio
Willis Knighton - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8921: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Willis Knighton - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)98
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.60% 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 | 18.60% | 30% |
| Delinquency Rate | 0.55% | 25% |
| Return on Assets | 1.52% | 15% |
| Member Growth | 1.36% | 15% |
| Loan-to-Share Ratio | 84.75% | 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 | $44.8M | 8,192 |
| 2024Q4 | $42.7M | 8,082 |
| 2023Q4 | $42.1M | 7,846 |
Credit Union Details
- Charter Number
- 8921
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- SHREVEPORT
- Data Quarter
- 2025Q4
What This Data Says About Willis Knighton
The five-factor composite scores Willis Knighton at 95/100 (Excellent), reflecting a net worth ratio of 18.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in SHREVEPORT, Louisiana, reports 8,192 members, $44.8M in total assets, and $30.7M in outstanding loans as of Q4 2025 under charter #8921 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.55% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 84.75% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.52% on net income of $681K 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 1.36%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
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 Willis Knighton financially healthy?
Willis Knighton scores 95/100 (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 18.60% net worth ratio and a 0.55% delinquency rate.
How does Willis Knighton compare to other credit unions?
PlainCU's health composite puts Willis Knighton at 95/100, compared to a peer group average for $10M–$50M 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 Willis Knighton?
Willis Knighton 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 Willis Knighton directly for the exact boundaries and application steps.
Is my money safe at Willis Knighton?
Federal credit unions like Willis Knighton 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. Willis Knighton's net worth ratio of 18.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Willis Knighton offer compared to banks?
Credit unions like Willis Knighton 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 Willis Knighton 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.