Headquartered in Lafayette, Louisiana, 705 Federal Credit Union is a federal credit union with $43.0M in total assets and $39.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1968.
705 Federal Credit Union has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 128th. Funding & liquidity contributes the most (83/100, 77% loans-to-deposits, 11% uninsured); earnings contributes the least (29/100, 0.23%).
TellerScore · Q2 2026
Scorecard
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 (42 → 41).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 45 |
| Q4 2024 | 43 |
| Q1 2025 | 47 |
| Q2 2025 | 42 |
| Q3 2025 | 40 |
| Q4 2025 | 28 |
| Q1 2026 | 37 |
| Q2 2026 | 41 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.56% |
| Q3 2024 | 7.99% |
| Q4 2024 | 7.90% |
| Q1 2025 | 7.29% |
| Q2 2025 | 7.27% |
| Q3 2025 | 7.26% |
| Q4 2025 | 7.69% |
| Q1 2026 | 7.52% |
| Q2 2026 | 7.91% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.27% |
| Q1 2025 | 0.71% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.53% |
| Q4 2025 | 2.85% |
| Q1 2026 | 2.24% |
| Q2 2026 | 2.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.13% |
| Q3 2024 | -1.53% |
| Q4 2024 | -1.41% |
| Q1 2025 | -1.06% |
| Q2 2025 | -0.47% |
| Q3 2025 | -0.34% |
| Q4 2025 | -0.25% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $43.0M | 7.91% | 2.03% | 0.23% | 77.2% |
| Q1 2026 | 37 | $44.7M | 7.52% | 2.24% | 0.07% | 75.8% |
| Q4 2025 | 28 | $43.6M | 7.69% | 2.85% | -0.25% | 78.0% |
| Q3 2025 | 40 | $46.6M | 7.26% | 1.53% | -0.34% | 75.8% |
| Q2 2025 | 42 | $46.6M | 7.27% | 1.19% | -0.47% | 76.7% |
| Q1 2025 | 47 | $46.3M | 7.29% | 0.71% | -1.06% | 75.0% |
| Q4 2024 | 43 | $44.3M | 7.90% | 1.27% | -1.41% | 78.5% |
| Q3 2024 | 45 | $45.5M | 7.99% | 1.14% | -1.53% | 77.9% |
| Q2 2024 | 44 | $45.6M | 8.56% | 1.30% | -1.13% | 77.9% |
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).
Similar-size credit unions in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| River Region Federal Credit UnionCredit union Lutcher, LA | 68 out of 100, Moderate | $42.0M | 19.6% | 2.38% | vs |
| Access of Louisiana Federal Credit UnionCredit union Lake Charles, LA | 51 out of 100, Below average | $44.5M | 9.8% | 1.88% | vs |
| Geismar Complex Federal Credit UnionCredit union Geismar, LA | 80 out of 100, Strong | $44.6M | 13.1% | 0.51% | vs |
| Valex Federal Credit UnionCredit union Alexandria, LA | 62 out of 100, Moderate | $41.0M | 9.5% | 1.57% | vs |
| Les Federal Credit UnionCredit union Baton Rouge, LA | 74 out of 100, Strong | $45.1M | 11.7% | 0.15% | vs |
| Willis Knighton Federal Credit UnionCredit union Shreveport, LA | 85 out of 100, Very strong | $46.1M | 18.5% | 0.32% | vs |
Deposit insurance
Is my money safe at 705 Federal Credit Union?
Yes. 705 Federal Credit Union is a federally insured credit union (NCUA charter #18749). 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 10.5% of shares and deposits ($4.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 7.91%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
705 Federal Credit Union lists 1 office in 1 city. Most locations:
- Lafayette, LA (1)
Identity & history
Profile
- Legal name
- 705 Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 18749
- RSSD ID
- 772183
- Primary regulator
- NCUA
- Established
- 1968
- Headquarters
- 1455 W Willow St, Lafayette, LA 70506
- Employees
- 14
Quick answers
705 Federal Credit Union: common questions
Is 705 Federal Credit Union NCUA insured?
Yes. 705 Federal Credit Union is a federally insured credit union (NCUA charter #18749). 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 705 Federal Credit Union's TellerScore?
41 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 705 Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lafayette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Acadiana Medical Federal Credit UnionCredit union Lafayette, LA | 92 out of 100, Very strong | $13.5M | 25.5% | 0.00% | vs |
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| Gulf Coast BankBank Abbeville, LA | 86 out of 100, Very strong | $513.7M | 14.7% | 0.63% | vs |
| Currency BankBank Baton Rouge, LA | 86 out of 100, Very strong | $248.5M | 13.4% | 0.14% | vs |
| Bayou Federal Credit UnionCredit union Baton Rouge, LA | 84 out of 100, Strong | $82.5M | 15.9% | 0.30% | vs |
| Acadian Federal Credit UnionCredit union Lafayette, LA | 83 out of 100, Strong | $20.9M | 11.9% | 0.02% | vs |