Side-by-side · Q2 2026 data
Baton Rouge City Parish Emp Federal Credit Union vs Essential Credit Union
Credit union
Baton Rouge City Parish Emp Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Baton Rouge City Parish Emp Federal Credit Union | Essential Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 89 (stronger) | 52 |
| Earnings | 93 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 72 |
| Peer percentile | 97th | 6th |
| Total assets | $58.2M | $434.2M |
| Deposits / shares | $45.2M | $362.4M |
| Capital ratio | 21.98% (stronger) | 9.06% |
| Problem loans | 0.33% (stronger) | 1.45% |
| Net charge-offs | 0.09% (stronger) | 0.93% |
| Return on assets | 1.83% (stronger) | 0.46% |
| Loans ÷ deposits | 43.1% (stronger) | 96.4% |
| Uninsured deposits | 0.8% (stronger) | 5.9% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baton Rouge City Parish Emp Federal Credit Union has the higher TellerScore (96 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Baton Rouge City Parish Emp Federal Credit Union leads on 7 and Essential Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.