TellerScore

Headquartered in Franklin, Louisiana, Cabot Employees Credit Union is a federally insured state-chartered credit union with $1.3M in total assets and $910K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.

Cabot Employees Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 13th. Capital cushion contributes the most (100/100, 26.97%); earnings contributes the least (59/100, 0.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.97%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity100/100
Loans ÷ shares: 46.9% · 0.0% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.59%

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 rose 31 points (58 → 89), mostly because the loan quality component improved by 73 points.

TellerScore
517395Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202495
Q4 202482
Q1 202592
Q2 202558
Q3 202551
Q4 202551
Q1 202688
Q2 202689
Net worth ratio
7.00%19.63%32.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202432.22%
Q3 202432.25%
Q4 202430.64%
Q1 202529.27%
Q2 202527.80%
Q3 202528.68%
Q4 202526.31%
Q1 202627.34%
Q2 202626.97%
Delinquent loans (60+ days)
0.00%3.16%6.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20252.20%
Q3 20255.70%
Q4 20256.32%
Q1 20260.00%
Q2 20260.00%
Return on assets
-3.47%-0.30%2.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.88%
Q3 20242.57%
Q4 20240.30%
Q1 20251.45%
Q2 2025-3.47%
Q3 2025-2.18%
Q4 2025-3.38%
Q1 20260.77%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$1.3M26.97%0.00%0.98%46.9%
Q1 202688$1.2M27.34%0.00%0.77%45.2%
Q4 202551$1.3M26.31%6.32%-3.38%50.7%
Q3 202551$1.2M28.68%5.70%-2.18%57.4%
Q2 202558$1.3M27.80%2.20%-3.47%64.5%
Q1 202592$1.3M29.27%0.00%1.45%68.2%
Q4 202482$1.2M30.64%0.00%0.30%87.6%
Q3 202495$1.2M32.25%0.00%2.57%92.9%
Q2 202494$1.2M32.22%0.00%2.88%102.5%

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 ratio26.97%
92nd
Problem loans0.00%
94th
Net charge-offs7.16%
1st
Return on assets0.98%
67th
Loans to deposits46.9%
68th
Uninsured deposits0.0%
81st
Loan-loss reserves4.69%
96th
Texas ratio12.6%
10th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Teamsters Local Union #270 Federal Credit UnionCredit union New Orleans, LA67 out of 100, Moderate$1.0M14.9%5.94%vs
G G W Federal Credit UnionCredit union New Orleans, LA97 out of 100, Very strong$960K26.7%0.00%vs
Fourth Ward Federal Credit UnionCredit union Amite, LA69 out of 100, Moderate$930K15.2%10.14%vs
Washington Educational Assoc Federal Credit UnionCredit union Franklinton, LA63 out of 100, Moderate$909K10.9%0.61%vs
Judicial & Justice Federal Credit UnionCredit union New Orleans, LA45 out of 100, Below average$1.6M10.6%3.27%vs
U B C Southern Council Industria Wo Federal Credit UnionCredit union Minden, LA81 out of 100, Strong$834K37.1%0.46%vs

Deposit insurance

Is my money safe at Cabot Employees Credit Union?

Yes. Cabot Employees Credit Union is a federally insured credit union (NCUA charter #62441). 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 26.97%, 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

Cabot Employees Credit Union lists 1 office in 1 city. Most locations:

  • Franklin, LA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Cabot Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62441
RSSD ID
642295
Primary regulator
State + NCUA
Established
1956
Headquarters
Po Box 598, Franklin, LA 70538
Employees
1

Quick answers

Cabot Employees Credit Union: common questions

Is Cabot Employees Credit Union NCUA insured?

Yes. Cabot Employees Credit Union is a federally insured credit union (NCUA charter #62441). 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 Cabot Employees Credit Union's TellerScore?

89 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 Cabot Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Franklin

InstitutionScoreAssetsCapitalProblem loansCompare
St. Mary Parish School Emp. Federal Credit UnionCredit union Franklin, LA85 out of 100, Very strong$455K22.7%0.49%vs
Morgan City Federal Credit UnionCredit union Morgan City, LA84 out of 100, Strong$4.8M16.7%0.00%vs
Riverland Federal Credit UnionCredit union New Orleans, LA78 out of 100, Strong$319.7M15.8%0.55%vs
Maple Federal Credit UnionCredit union Lafayette, LA78 out of 100, Strong$71.6M15.4%0.95%vs
JD BankBank Jennings, LA76 out of 100, Strong$1.3B11.9%0.40%vs
The First National Bank of JeaneretteBank Jeanerette, LA73 out of 100, Strong$646.5M10.0%0.23%vs