TellerScore

East Baton Rouge Teachers Federal Credit Union is a federal credit union headquartered in Baton Rouge, Louisiana, in business for about 75 years. At the end of Q2 2026 it reported $4.8M in total assets and $4.3M in member shares and deposits, with 2 offices across 2 states.

East Baton Rouge Teachers Federal Credit Union has a TellerScore of 29 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 135th. Funding & liquidity contributes the most (100/100, 59% loans-to-deposits, 2% uninsured); earnings contributes the least (0/100, -1.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.75%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 7.75%
Earnings0/100
Return on assets (annualized): -1.33%
Funding & liquidity100/100
Loans ÷ shares: 58.6% · 1.8% uninsured
Problem-loan coverage21/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 39.55%

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 fell 8 points (37 → 29), mostly because the problem-loan coverage component weakened by 29 points.

TellerScore
294357Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202442
Q4 202447
Q1 202545
Q2 202537
Q3 202536
Q4 202535
Q1 202631
Q2 202629
Net worth ratio
7.00%8.27%9.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.25%
Q3 20249.48%
Q4 20249.53%
Q1 20258.99%
Q2 20259.22%
Q3 20259.51%
Q4 20259.23%
Q1 20269.31%
Q2 20268.75%
Delinquent loans (60+ days)
1.14%4.47%7.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.14%
Q3 20244.07%
Q4 20242.40%
Q1 20252.39%
Q2 20255.64%
Q3 20257.79%
Q4 20257.66%
Q1 20267.22%
Q2 20267.75%
Return on assets
-1.33%-0.51%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.32%
Q4 20240.27%
Q1 20250.11%
Q2 20250.11%
Q3 20250.12%
Q4 20250.09%
Q1 2026-0.70%
Q2 2026-1.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202629$4.8M8.75%7.75%-1.33%58.6%
Q1 202631$4.7M9.31%7.22%-0.70%58.3%
Q4 202535$4.9M9.23%7.66%0.09%61.7%
Q3 202536$4.7M9.51%7.79%0.12%60.9%
Q2 202537$4.8M9.22%5.64%0.11%57.7%
Q1 202545$5.0M8.99%2.39%0.11%55.5%
Q4 202447$4.7M9.53%2.40%0.27%65.1%
Q3 202442$4.7M9.48%4.07%0.32%58.5%
Q2 202457$4.7M9.25%1.14%0.11%59.3%

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 ratio8.75%
8th
Problem loans7.75%
3rd
Net charge-offs2.05%
5th
Return on assets-1.33%
6th
Loans to deposits58.6%
50th
Uninsured deposits1.8%
47th
Loan-loss reserves3.11%
94th
Texas ratio39.6%
1st

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Morgan City Federal Credit UnionCredit union Morgan City, LA84 out of 100, Strong$4.8M16.7%0.00%vs
P.H.I. Federal Credit UnionCredit union Lafayette, LA55 out of 100, Moderate$4.9M7.0%0.00%vs
Montell Federal Credit UnionCredit union Sulphur, LA66 out of 100, Moderate$4.5M24.4%2.04%vs
Orleans Parish Sheriff'S Credit UnionCredit union New Orleans, LA72 out of 100, Strong$5.0M46.8%1.02%vs
Sabine School Employees Federal Credit UnionCredit union Many, LA73 out of 100, Strong$5.2M20.1%1.21%vs
Davison Employees Federal Credit UnionCredit union Sulphur, LA56 out of 100, Moderate$4.3M23.7%2.09%vs

Deposit insurance

Is my money safe at East Baton Rouge Teachers Federal Credit Union?

Yes. East Baton Rouge Teachers Federal Credit Union is a federally insured credit union (NCUA charter #7253). 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 1.8% of shares and deposits ($76K) 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 8.75%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

East Baton Rouge Teachers Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
East Baton Rouge Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
7253
RSSD ID
421883
Primary regulator
NCUA
Established
1951
Headquarters
4836 Plank Rd, Baton Rouge, LA 70805
Employees
3

Quick answers

East Baton Rouge Teachers Federal Credit Union: common questions

Is East Baton Rouge Teachers Federal Credit Union NCUA insured?

Yes. East Baton Rouge Teachers Federal Credit Union is a federally insured credit union (NCUA charter #7253). 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 East Baton Rouge Teachers Federal Credit Union's TellerScore?

29 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 East Baton Rouge Teachers Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Baton Rouge

InstitutionScoreAssetsCapitalProblem loansCompare
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Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs