TellerScore

Fourth Ward Federal Credit Union (NCUA charter #7877) is based in Amite, Louisiana. Its Q2 2026 call report shows $930K in total assets and $789K in member shares and deposits and 2 offices.

Fourth Ward Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 73rd. Capital cushion contributes the most (100/100, 15.15%); loan quality contributes the least (0/100, 10.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.15%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 10.14%
Earnings100/100
Return on assets (annualized): 3.71%
Funding & liquidity97/100
Loans ÷ shares: 63.0% · 0.0% uninsured
Problem-loan coverage40/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 29.97%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
627486Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202486
Q4 202476
Q1 202569
Q2 202570
Q3 202571
Q4 202562
Q1 202665
Q2 202669
Net worth ratio
7.00%11.90%16.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.13%
Q3 202414.72%
Q4 202411.19%
Q1 202512.70%
Q2 202515.69%
Q3 202516.81%
Q4 202513.03%
Q1 202613.98%
Q2 202615.15%
Delinquent loans (60+ days)
1.34%5.75%10.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.42%
Q3 20241.34%
Q4 20241.34%
Q1 20252.69%
Q2 20254.58%
Q3 20254.72%
Q4 202510.17%
Q1 202610.09%
Q2 202610.14%
Return on assets
2.22%4.23%6.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20244.67%
Q3 20245.33%
Q4 20243.36%
Q1 20254.89%
Q2 20256.24%
Q3 20255.83%
Q4 20252.22%
Q1 20264.24%
Q2 20263.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$930K15.15%10.14%3.71%63.0%
Q1 202665$910K13.98%10.09%4.24%63.9%
Q4 202562$902K13.03%10.17%2.22%63.3%
Q3 202571$905K16.81%4.72%5.83%68.7%
Q2 202570$895K15.69%4.58%6.24%70.9%
Q1 202569$980K12.70%2.69%4.89%60.8%
Q4 202476$1.0M11.19%1.34%3.36%61.2%
Q3 202486$994K14.72%1.34%5.33%64.8%
Q2 202481$987K13.13%1.42%4.67%62.4%

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 ratio15.15%
55th
Problem loans10.14%
2nd
Net charge-offs0.00%
77th
Return on assets3.71%
99th
Loans to deposits63.0%
43rd
Uninsured deposits0.0%
81st
Loan-loss reserves5.51%
96th
Texas ratio30.0%
2nd

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Washington Educational Assoc Federal Credit UnionCredit union Franklinton, LA63 out of 100, Moderate$909K10.9%0.61%vs
G G W Federal Credit UnionCredit union New Orleans, LA97 out of 100, Very strong$960K26.7%0.00%vs
U B C Southern Council Industria Wo Federal Credit UnionCredit union Minden, LA81 out of 100, Strong$834K37.1%0.46%vs
Teamsters Local Union #270 Federal Credit UnionCredit union New Orleans, LA67 out of 100, Moderate$1.0M14.9%5.94%vs
S T S P Federal Credit UnionCredit union Lacombe, LA68 out of 100, Moderate$779K9.4%0.62%vs
Municipal Employees Federal Credit UnionCredit union Bogalusa, LA55 out of 100, Moderate$642K42.8%8.90%vs

Deposit insurance

Is my money safe at Fourth Ward Federal Credit Union?

Yes. Fourth Ward Federal Credit Union is a federally insured credit union (NCUA charter #7877). 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 15.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Fourth Ward Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fourth Ward Federal Credit Union
Type
Federal credit union
NCUA charter #
7877
RSSD ID
570688
Primary regulator
NCUA
Established
1952
Headquarters
60233 Smilin Acres Rd, Amite, LA 70422
Employees
1

Quick answers

Fourth Ward Federal Credit Union: common questions

Is Fourth Ward Federal Credit Union NCUA insured?

Yes. Fourth Ward Federal Credit Union is a federally insured credit union (NCUA charter #7877). 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 Fourth Ward Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Fourth Ward Federal Credit Union have?

2 offices as of the latest NCUA data.