Federal credit union · Metairie, Louisiana · NCUA charter #23017
XPLORE
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $146.9M
- Total assets
- 7,821
- Members
- 11.6%
- Net-worth ratio
XPLORE scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $146.9M; members 7,821; net-worth ratio 11.64%; health rank #1,280 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,280 of 4,374 health · 2025Q4XPLORE · health 89/100 · $146.9M · 2025Q4
Call Report peers
XPLORE in the assets neighbourhood
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XPLORE vs every NCUA-scored credit union
XPLORE sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
XPLORE vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.22 pp (90.42% vs 72.20%).
- Largest lag: Net Worth Ratio at 11.64% vs peer 12.11% (-0.47 pp).
Where XPLORE sits in Louisiana
- Health composite ranks #30 of 138 among scored Louisiana credit unions.
- By total assets, XPLORE is #23 of 138 in Louisiana.
- Membership ranks #31 of 138 among Louisiana CUs with a reported count (7,821 members).
- One place up in Louisiana, Beauregard School Employees (#29) ties at 89/100; one place down, RAPIDES (#31) scores 88/100, 1 point lower.
How XPLORE's 5300 filing moved
XPLORE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $146.9M (2025Q4) to $151.2M (2026Q1).
- Net-worth ratio shifted -0.33 pp (11.97% → 11.64%).
At 11.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
XPLORE gives up 11 points in total. Member Growth costs the most, 8.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 14.9 pts
XPLORE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.64% | -0.47 pp |
| Delinquency Rate | 0.26% | -0.63 pp |
| Return on Assets | 0.33% | -0.29 pp |
| Member Growth | -1.32% | - |
| Loan-to-Share Ratio | 90.42% | +18.22 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
XPLORE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $151.2M | - |
| 2025Q4 | $146.9M | 7,821 |
| 2024Q4 | $151.5M | 7,926 |
| 2023Q4 | $155.0M | 7,913 |
Credit Union Details
- Charter Number
- 23017
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- Metairie
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, XPLORE runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| 5500 (Main Office) | Metairie, LA |
| Northshore Branch | Covington, LA |
| Pellerin Milnor | Kenner, LA |
| 221 | Metairie, LA |
| OSS | New Orleans, 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.
XPLORE nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- XPLORE ranks #1,280 of 4,374 nationally on financial health and #30 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heart of Louisiana is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heart of Louisiana
Frequently Asked Questions
Is XPLORE financially healthy?
XPLORE has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,280 of 4,374 nationally on health and #30 of 138 in Louisiana. Its net worth ratio is 11.64% and its delinquency rate 0.26%.
How does XPLORE compare to other credit unions?
XPLORE scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.42% vs 72.20%). Its widest shortfall is net worth ratio (11.64% vs 12.11%).
How can I join XPLORE?
XPLORE 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 XPLORE directly for the exact boundaries and application steps.
Is my money safe at XPLORE?
XPLORE 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. XPLORE's net worth ratio of 11.64% 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.