TellerScore

Headquartered in Ferriday, Louisiana, Concordia Parish School Emp Federal Credit Union is a federal credit union with $3.2M in total assets and $2.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1966.

Based on its Q2 2026 filing, Concordia Parish School Emp Federal Credit Union scores 44/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 126th. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 0% uninsured), and its lowest is loan quality (0/100; 5.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.72%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.93%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity100/100
Loans ÷ shares: 58.8% · 0.0% uninsured
Problem-loan coverage36/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 32.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (48 → 44), mostly because the loan quality component weakened by 31 points.

TellerScore
354453Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202450
Q4 202435
Q1 202548
Q2 202548
Q3 202553
Q4 202552
Q1 202644
Q2 202644
Net worth ratio
7.00%9.16%11.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.48%
Q3 202411.32%
Q4 202410.45%
Q1 202510.57%
Q2 202510.23%
Q3 202511.17%
Q4 202510.76%
Q1 202610.65%
Q2 202610.72%
Delinquent loans (60+ days)
1.94%5.43%8.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20247.22%
Q3 20246.95%
Q4 20248.92%
Q1 20252.51%
Q2 20252.08%
Q3 20252.25%
Q4 20251.94%
Q1 20266.14%
Q2 20265.93%
Return on assets
0.02%0.85%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.67%
Q4 20240.22%
Q1 20250.48%
Q2 20250.02%
Q3 20250.66%
Q4 20250.24%
Q1 20260.68%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$3.2M10.72%5.93%0.58%58.8%
Q1 202644$3.2M10.65%6.14%0.68%63.2%
Q4 202552$3.1M10.76%1.94%0.24%71.6%
Q3 202553$3.1M11.17%2.25%0.66%76.0%
Q2 202548$3.3M10.23%2.08%0.02%67.9%
Q1 202548$3.2M10.57%2.51%0.48%71.0%
Q4 202435$3.2M10.45%8.92%0.22%73.7%
Q3 202450$3.2M11.32%6.95%1.67%74.7%
Q2 202445$3.3M10.48%7.22%1.31%68.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.72%
22nd
Problem loans5.93%
5th
Net charge-offs1.44%
9th
Return on assets0.58%
46th
Loans to deposits58.8%
50th
Uninsured deposits0.0%
81st
Loan-loss reserves2.05%
90th
Texas ratio32.0%
2nd

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Electrical Workers Local 130 Federal Credit UnionCredit union Metairie, LA47 out of 100, Below average$3.3M14.6%3.72%vs
Southeast Louisiana Veterans Health Federal Credit UnionCredit union New Orleans, LA67 out of 100, Moderate$3.0M11.7%0.04%vs
N.O. Port Commission Employees Credit UnionCredit union New Orleans, LA69 out of 100, Moderate$3.5M14.2%1.60%vs
Coast Guard Employees Credit UnionCredit union New Orleans, LA47 out of 100, Below average$3.7M12.8%5.01%vs
Louisiana Machinery Employees Federal Credit UnionCredit union Monroe, LA79 out of 100, Strong$3.9M22.4%0.00%vs
T E a Federal Credit UnionCredit union Houma, LA30 out of 100, Low$2.5M8.1%3.10%vs

Deposit insurance

Is my money safe at Concordia Parish School Emp Federal Credit Union?

Yes. Concordia Parish School Emp Federal Credit Union is a federally insured credit union (NCUA charter #17396). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.72%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Concordia Parish School Emp Federal Credit Union lists 1 office in 1 city. Most locations:

  • Ferriday, LA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Concordia Parish School Emp Federal Credit Union
Type
Federal credit union
NCUA charter #
17396
RSSD ID
193582
Primary regulator
NCUA
Established
1966
Headquarters
P O Box 1525, Ferriday, LA 71334
Employees
3

Quick answers

Concordia Parish School Emp Federal Credit Union: common questions

Is Concordia Parish School Emp Federal Credit Union NCUA insured?

Yes. Concordia Parish School Emp Federal Credit Union is a federally insured credit union (NCUA charter #17396). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Concordia Parish School Emp Federal Credit Union's TellerScore?

44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Concordia Parish School Emp Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ferriday

InstitutionScoreAssetsCapitalProblem loansCompare
Sicily Island State BankBank Sicily Island, LA86 out of 100, Very strong$92.4M13.2%0.13%vs
United Mississippi BankBank Natchez, MS75 out of 100, Strong$560.7M11.0%0.19%vs
Southern Heritage BankBank Jonesville, LA73 out of 100, Strong$397.9M10.5%0.72%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Home Bank, National AssociationBank Lafayette, LA70 out of 100, Strong$3.6B12.1%0.95%vs
Bank of FranklinBank Meadville, MS70 out of 100, Strong$302.3M9.9%0.27%vs