Federal credit union · New Orleans, Louisiana · NCUA charter #12748
Xavier University
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $1.6M
- Total assets
- 377
- Members
- 13.9%
- Net-worth ratio
Xavier University scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.6M; members 377; net-worth ratio 13.93%; health rank #4,273 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
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Xavier University vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Xavier University sits in 50-54 with 82 others.
50 2nd percentile higher than 2% 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
Peer-gap read for Xavier University
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -1.40 pp (3.07% vs 4.48%).
- Loan-to-Share Ratio trails the peer set - 37.10% here, 52.70% peer average (-15.60 pp).
Louisiana standing for Xavier University
- Health composite ranks #129 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #121 of 138.
- Member book place in Louisiana: #121 of 138.
- One place up in Louisiana, COGIC (#128) scores 54/100, 4 points higher; one place down, MONTELL (#130) scores 48/100, 2 points lower.
Xavier University: 2025Q4 → 2026Q1
Xavier University: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $1.6M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted -0.28 pp (14.21% → 13.93%).
This credit union's 13.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 50/100 score is built
Xavier University gives up 50 points in total. Delinquency Rate costs the most, 19.2 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.8 pts
- Return on Assets 0.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 8.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.93% | -9.00 pp |
| Delinquency Rate | 3.07% | -1.40 pp |
| Return on Assets | -1.91% | -2.13 pp |
| Member Growth | -2.08% | - |
| Loan-to-Share Ratio | 37.10% | -15.60 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - Xavier University
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.6M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Xavier University.
| Office | City |
|---|---|
| Xavier University Empolyees' FCU (Main Office) | New Orleans, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for Xavier University
Using this data
- Xavier University ranks #4,273 of 4,374 nationally on financial health and #129 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Judicial & Justice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Judicial & Justice
Frequently Asked Questions
Is Xavier University financially healthy?
Xavier University has a financial health score of 50/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,273 of 4,374 nationally on health and #129 of 138 in Louisiana. Its net worth ratio is 13.93% and its delinquency rate 3.07%.
How does Xavier University compare to other credit unions?
Xavier University scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (3.07% vs 4.48%). Its widest shortfall is loan-to-share ratio (37.10% vs 52.70%).
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?
Xavier University 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. Xavier University's net worth ratio of 13.93% 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.