TellerScore

St. Bernard Parish School Board Emp Federal Credit Union (NCUA charter #12944) is based in Chalmette, Louisiana. Its Q2 2026 call report shows $15.9M in total assets and $9.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, St. Bernard Parish School Board Emp Federal Credit Union scores 93/100, which we describe as very strong. That is higher than 94% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 6th. Its strongest component is capital cushion (100/100; 37.65%), and its lowest is funding & liquidity (79/100; 81% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 37.65%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings99/100
Return on assets (annualized): 1.97%
Funding & liquidity79/100
Loans ÷ shares: 81.2% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.51%

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 (93 → 93).

TellerScore
889296Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202496
Q4 202490
Q1 202593
Q2 202593
Q3 202592
Q4 202590
Q1 202688
Q2 202693
Net worth ratio
7.00%22.32%37.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202433.44%
Q3 202433.20%
Q4 202434.46%
Q1 202535.22%
Q2 202535.29%
Q3 202536.25%
Q4 202537.60%
Q1 202637.64%
Q2 202637.65%
Delinquent loans (60+ days)
0.34%0.70%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.34%
Q4 20240.84%
Q1 20250.53%
Q2 20250.60%
Q3 20250.65%
Q4 20250.83%
Q1 20261.06%
Q2 20260.38%
Return on assets
1.97%2.23%2.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.49%
Q3 20242.33%
Q4 20242.13%
Q1 20252.22%
Q2 20252.36%
Q3 20252.35%
Q4 20252.36%
Q1 20262.10%
Q2 20261.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$15.9M37.65%0.38%1.97%81.2%
Q1 202688$15.7M37.64%1.06%2.10%80.7%
Q4 202590$15.5M37.60%0.83%2.36%81.7%
Q3 202592$15.9M36.25%0.65%2.35%76.7%
Q2 202593$16.1M35.29%0.60%2.36%74.3%
Q1 202593$15.8M35.22%0.53%2.22%77.0%
Q4 202490$15.9M34.46%0.84%2.13%76.0%
Q3 202496$16.3M33.20%0.34%2.33%68.2%
Q2 202494$15.9M33.44%0.51%2.49%70.0%

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 ratio37.65%
97th
Problem loans0.38%
64th
Net charge-offs0.23%
45th
Return on assets1.97%
94th
Loans to deposits81.2%
18th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.5%
74th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Barton Plant Employees Federal Credit UnionCredit union Luling, LA87 out of 100, Very strong$15.7M33.0%0.14%vs
Tulane/Loyola Federal Credit UnionCredit union New Orleans, LA27 out of 100, Low$15.3M6.7%2.33%vs
Fleur-De-Lis Federal Credit UnionCredit union Metairie, LA75 out of 100, Strong$16.8M11.9%0.23%vs
Caddo Parish Teachers Federal Credit UnionCredit union Shreveport, LA80 out of 100, Strong$17.0M23.4%1.27%vs
Vermilion Employees Credit UnionCredit union Abbeville, LA61 out of 100, Moderate$14.6M15.6%2.81%vs
Bayou Community Federal Credit UnionCredit union Saint Gabriel, LA68 out of 100, Moderate$17.7M9.9%0.56%vs

Deposit insurance

Is my money safe at St. Bernard Parish School Board Emp Federal Credit Union?

Yes. St. Bernard Parish School Board Emp Federal Credit Union is a federally insured credit union (NCUA charter #12944). 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 37.65%, 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

St. Bernard Parish School Board Emp Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
St. Bernard Parish School Board Emp Federal Credit Union
Type
Federal credit union
NCUA charter #
12944
RSSD ID
41889
Primary regulator
NCUA
Established
1959
Headquarters
200 E Saint Bernard Hwy, Chalmette, LA 70043
Employees
3

Quick answers

St. Bernard Parish School Board Emp Federal Credit Union: common questions

Is St. Bernard Parish School Board Emp Federal Credit Union NCUA insured?

Yes. St. Bernard Parish School Board Emp Federal Credit Union is a federally insured credit union (NCUA charter #12944). 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 St. Bernard Parish School Board Emp Federal Credit Union's TellerScore?

93 out of 100 (Very strong), 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 St. Bernard Parish School Board Emp Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chalmette

InstitutionScoreAssetsCapitalProblem loansCompare
G G W Federal Credit UnionCredit union New Orleans, LA97 out of 100, Very strong$960K26.7%0.00%vs
Internal Revenue Federal Credit UnionCredit union New Orleans, LA89 out of 100, Very strong$22.5M14.1%0.22%vs
Crescent BankBank Metairie, LA89 out of 100, Very strong$1.1B15.0%1.28%vs
Barton Plant Employees Federal Credit UnionCredit union Luling, LA87 out of 100, Very strong$15.7M33.0%0.14%vs
Red River BankBank Alexandria, LA82 out of 100, Strong$3.3B12.5%0.11%vs
New Orleans Police Department Emp. Credit UnionCredit union New Orleans, LA82 out of 100, Strong$22.0M41.4%0.82%vs