TellerScore

Immaculate Heart of Mary Credit Union is a federally insured state-chartered credit union headquartered in Lafayette, Louisiana, in business for about 84 years. At the end of Q2 2026 it reported $622K in total assets and $427K in member shares and deposits, with 1 office.

Immaculate Heart of Mary Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 87th. Capital cushion contributes the most (100/100, 31.26%); loan quality contributes the least (0/100, 32.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 31.26%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 32.55%
Earnings78/100
Return on assets (annualized): 1.46%
Funding & liquidity100/100
Loans ÷ shares: 37.5% · 0.0% uninsured
Problem-loan coverage51/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 24.27%

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 7 points (73 → 66), mostly because the problem-loan coverage component weakened by 31 points.

TellerScore
596673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202468
Q4 202463
Q1 202559
Q2 202573
Q3 202569
Q4 202566
Q1 202659
Q2 202666
Net worth ratio
7.00%19.13%31.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202428.74%
Q3 202429.75%
Q4 202429.09%
Q1 202529.52%
Q2 202530.03%
Q3 202530.55%
Q4 202530.39%
Q1 202630.96%
Q2 202631.26%
Delinquent loans (60+ days)
6.76%19.66%32.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20246.76%
Q3 20247.46%
Q4 20248.10%
Q1 20259.34%
Q2 202510.24%
Q3 202510.42%
Q4 20259.83%
Q1 20269.35%
Q2 202632.55%
Return on assets
0.20%1.13%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.19%
Q3 20241.28%
Q4 20240.75%
Q1 20250.28%
Q2 20252.07%
Q3 20251.51%
Q4 20251.01%
Q1 20260.20%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$622K31.26%32.55%1.46%37.5%
Q1 202659$615K30.96%9.35%0.20%41.2%
Q4 202566$625K30.39%9.83%1.01%43.1%
Q3 202569$624K30.55%10.42%1.51%41.5%
Q2 202573$633K30.03%10.24%2.07%42.7%
Q1 202559$624K29.52%9.34%0.28%46.4%
Q4 202463$631K29.09%8.10%0.75%50.1%
Q3 202468$622K29.75%7.46%1.28%49.6%
Q2 202467$636K28.74%6.76%1.19%43.2%

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 ratio31.26%
95th
Problem loans32.55%
0th
Net charge-offs1.12%
13th
Return on assets1.46%
84th
Loans to deposits37.5%
81st
Uninsured deposits0.0%
81st
Loan-loss reserves12.68%
99th
Texas ratio24.3%
3rd

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Richland Parish Schools Federal Credit UnionCredit union Rayville, LA74 out of 100, Strong$619K29.6%6.18%vs
Union Federal Credit UnionCredit union Farmerville, LA80 out of 100, Strong$611K21.2%0.00%vs
Municipal Employees Federal Credit UnionCredit union Bogalusa, LA55 out of 100, Moderate$642K42.8%8.90%vs
Avenue Baptist Brotherhood Federal Credit UnionCredit union Shreveport, LA84 out of 100, Strong$601K24.6%0.00%vs
S T S P Federal Credit UnionCredit union Lacombe, LA68 out of 100, Moderate$779K9.4%0.62%vs
St. Mary Parish School Emp. Federal Credit UnionCredit union Franklin, LA85 out of 100, Very strong$455K22.7%0.49%vs

Deposit insurance

Is my money safe at Immaculate Heart of Mary Credit Union?

Yes. Immaculate Heart of Mary Credit Union is a federally insured credit union (NCUA charter #63143). 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 31.26%, well 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

Immaculate Heart of Mary Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Immaculate Heart of Mary Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63143
RSSD ID
417091
Primary regulator
State + NCUA
Established
1942
Headquarters
P.O. Box 93156, Lafayette, LA 70509
Employees
2

Quick answers

Immaculate Heart of Mary Credit Union: common questions

Is Immaculate Heart of Mary Credit Union NCUA insured?

Yes. Immaculate Heart of Mary Credit Union is a federally insured credit union (NCUA charter #63143). 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 Immaculate Heart of Mary Credit Union's TellerScore?

66 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 Immaculate Heart of Mary Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lafayette

InstitutionScoreAssetsCapitalProblem loansCompare
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Gulf Coast BankBank Abbeville, LA86 out of 100, Very strong$513.7M14.7%0.63%vs
Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs
Bayou Federal Credit UnionCredit union Baton Rouge, LA84 out of 100, Strong$82.5M15.9%0.30%vs
Cottonport BankBank Cottonport, LA83 out of 100, Strong$581.6M13.9%0.99%vs