Federal credit union · New Orleans, Louisiana · NCUA charter #12748
Xavier University
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $1.6M
- Total assets
- 377
- Members
- 12.5%
- Net-worth ratio
Xavier University - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12748. See our deposit-insurance coverage note.
Xavier University - 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)23
- Earnings (ROA)0
- Member growth35
- Liquidity (loan-to-share)62
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.45% 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 | 12.45% | 30% |
| Delinquency Rate | 3.07% | 25% |
| Return on Assets | -1.91% | 15% |
| Member Growth | -2.08% | 15% |
| Loan-to-Share Ratio | 37.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.6M | 377 |
| 2024Q4 | $1.6M | 385 |
| 2023Q4 | $1.6M | 402 |
Credit Union Details
- Charter Number
- 12748
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Louisiana
- City
- New Orleans
- Data Quarter
- 2025Q4
What This Data Says About Xavier University
The five-factor composite scores Xavier University at 50/100 (Fair), reflecting a net worth ratio of 12.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in New Orleans, Louisiana, reports 377 members, $1.6M in total assets, and $507K in outstanding loans as of Q4 2025 under charter #12748 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Deposits deployed into lending sit at a 37.10% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.07% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at -1.91% on net income of $-30447 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 -2.08%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Single Common Bond) - 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 Xavier University financially healthy?
Yes/no aside, the number is 50/100 (Fair) - Xavier University's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.45% net worth ratio and 3.07% delinquency rate are the key drivers.
How does Xavier University compare to other credit unions?
PlainCU's health composite puts Xavier University at 50/100, compared to a peer group average for Under $2M 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 Xavier University?
Xavier University 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 Xavier University directly to confirm eligibility.
Is my money safe at Xavier University?
Federal credit unions like Xavier University 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. Xavier University's net worth ratio of 12.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Xavier University offer compared to banks?
Credit unions like Xavier University 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 Xavier University 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.