Headquartered in Lafayette, Louisiana, Cogic Credit Union is a federally insured state-chartered credit union with $341K in total assets and $326K in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1981.
Based on its Q2 2026 filing, Cogic Credit Union scores 32/100, which we describe as low. That is higher than only 1% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 132nd. Its strongest component is funding & liquidity (98/100; 63% loans-to-deposits, 0% uninsured), and its lowest is earnings (0/100; -5.69%).
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
From Q2 2025 to Q2 2026, the score rose 3 points (29 → 32), mostly because the problem-loan coverage component improved by 69 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 35 |
| Q3 2024 | 26 |
| Q4 2024 | 36 |
| Q1 2025 | 43 |
| Q2 2025 | 29 |
| Q3 2025 | 26 |
| Q4 2025 | 34 |
| Q1 2026 | 29 |
| Q2 2026 | 32 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 6.80% |
| Q3 2024 | 6.88% |
| Q4 2024 | 7.37% |
| Q1 2025 | 7.94% |
| Q2 2025 | 6.18% |
| Q3 2025 | 6.75% |
| Q4 2025 | 6.65% |
| Q1 2026 | 4.24% |
| Q2 2026 | 4.38% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.03% |
| Q3 2024 | 3.32% |
| Q4 2024 | 3.47% |
| Q1 2025 | 8.30% |
| Q2 2025 | 7.79% |
| Q3 2025 | 6.79% |
| Q4 2025 | 1.95% |
| Q1 2026 | 2.03% |
| Q2 2026 | 1.79% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | -0.15% |
| Q4 2024 | 0.81% |
| Q1 2025 | 5.29% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.37% |
| Q4 2025 | -2.35% |
| Q1 2026 | -9.43% |
| Q2 2026 | -5.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 32 | $341K | 4.38% | 1.79% | -5.69% | 62.5% |
| Q1 2026 | 29 | $369K | 4.24% | 2.03% | -9.43% | 63.7% |
| Q4 2025 | 34 | $370K | 6.65% | 1.95% | -2.35% | 71.9% |
| Q3 2025 | 26 | $392K | 6.75% | 6.79% | 0.37% | 72.2% |
| Q2 2025 | 29 | $432K | 6.18% | 7.79% | 0.74% | 58.8% |
| Q1 2025 | 43 | $442K | 7.94% | 8.30% | 5.29% | 63.4% |
| Q4 2024 | 36 | $452K | 7.37% | 3.47% | 0.81% | 69.4% |
| Q3 2024 | 26 | $452K | 6.88% | 3.32% | -0.15% | 72.1% |
| Q2 2024 | 35 | $481K | 6.80% | 4.03% | 0.74% | 55.7% |
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 |
|---|---|---|---|---|---|
| New Orleans Public Belt Railroad Federal Credit UnionCredit union New Orleans, LA | 77 out of 100, Strong | $379K | 24.6% | 0.00% | vs |
| St. Mary Parish School Emp. Federal Credit UnionCredit union Franklin, LA | 85 out of 100, Very strong | $455K | 22.7% | 0.49% | vs |
| Iberia Parish Federal Credit UnionCredit union New Iberia, LA | 52 out of 100, Below average | $195K | 35.4% | 13.48% | vs |
| Avenue Baptist Brotherhood Federal Credit UnionCredit union Shreveport, LA | 84 out of 100, Strong | $601K | 24.6% | 0.00% | vs |
| Union Federal Credit UnionCredit union Farmerville, LA | 80 out of 100, Strong | $611K | 21.2% | 0.00% | vs |
| Richland Parish Schools Federal Credit UnionCredit union Rayville, LA | 74 out of 100, Strong | $619K | 29.6% | 6.18% | vs |
Deposit insurance
Is my money safe at Cogic Credit Union?
Yes. Cogic Credit Union is a federally insured credit union (NCUA charter #65780). 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 4.38%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Cogic Credit Union lists 2 offices in 1 city. Most locations:
- Lafayette, LA (2)
Identity & history
Profile
- Legal name
- Cogic Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65780
- RSSD ID
- 786199
- Primary regulator
- State + NCUA
- Established
- 1981
- Headquarters
- P. O. Box 5057, Lafayette, LA 70502
Quick answers
Cogic Credit Union: common questions
Is Cogic Credit Union NCUA insured?
Yes. Cogic Credit Union is a federally insured credit union (NCUA charter #65780). 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 Cogic Credit Union's TellerScore?
32 out of 100 (Low), 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 Cogic Credit Union have?
2 offices 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 |
| Cottonport BankBank Cottonport, LA | 83 out of 100, Strong | $581.6M | 13.9% | 0.99% | vs |