TellerScore

Efcu Financial Federal Credit Union (NCUA charter #13) is based in Baton Rouge, Louisiana. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in member shares and deposits and 7 offices.

Based on its Q2 2026 filing, Efcu Financial Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 136 credit unions headquartered in Louisiana, it ranks 88th. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is capital cushion (47/100; 9.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.72%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity58/100
Loans ÷ shares: 102.3% · 5.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.97%

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 (66 → 65).

TellerScore
646566Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202464
Q1 202565
Q2 202566
Q3 202566
Q4 202566
Q1 202666
Q2 202665
Net worth ratio
7.00%8.39%9.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.79%
Q3 20249.58%
Q4 20249.39%
Q1 20259.29%
Q2 20259.42%
Q3 20259.74%
Q4 20259.72%
Q1 20269.64%
Q2 20269.72%
Delinquent loans (60+ days)
0.28%0.33%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.34%
Q4 20240.33%
Q1 20250.28%
Q2 20250.31%
Q3 20250.32%
Q4 20250.33%
Q1 20260.33%
Q2 20260.38%
Return on assets
0.83%0.91%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.87%
Q4 20240.83%
Q1 20250.90%
Q2 20250.97%
Q3 20250.98%
Q4 20250.95%
Q1 20260.92%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.3B9.72%0.38%0.91%102.3%
Q1 202666$1.3B9.64%0.33%0.92%99.9%
Q4 202566$1.2B9.72%0.33%0.95%101.1%
Q3 202566$1.2B9.74%0.32%0.98%102.1%
Q2 202566$1.2B9.42%0.31%0.97%100.1%
Q1 202565$1.2B9.29%0.28%0.90%99.0%
Q4 202464$1.2B9.39%0.33%0.83%100.3%
Q3 202465$1.1B9.58%0.34%0.87%101.7%
Q2 202465$1.1B9.79%0.36%0.88%105.5%

454 peers · $1 billion – $10 billion

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 ratio9.72%
23rd
Problem loans0.38%
82nd
Net charge-offs0.31%
75th
Return on assets0.91%
60th
Loans to deposits102.3%
10th
Uninsured deposits5.7%
84th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
61st

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Neighbors Federal Credit UnionCredit union Baton Rouge, LA57 out of 100, Moderate$1.4B11.1%1.25%vs
Onpath Federal Credit UnionCredit union Metairie, LA56 out of 100, Moderate$1.5B10.0%1.35%vs
Barksdale Federal Credit UnionCredit union Barksdale Afb, LA52 out of 100, Below average$2.5B9.0%1.91%vs

Deposit insurance

Is my money safe at Efcu Financial Federal Credit Union?

Yes. Efcu Financial Federal Credit Union is a federally insured credit union (NCUA charter #13). 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 5.7% of shares and deposits ($64.0M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.72%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Efcu Financial Federal Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Efcu Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
13
RSSD ID
861676
Primary regulator
NCUA
Established
1934
Headquarters
3232 S Sherwood Forest Blvd, Baton Rouge, LA 70816
Employees
158

Quick answers

Efcu Financial Federal Credit Union: common questions

Is Efcu Financial Federal Credit Union NCUA insured?

Yes. Efcu Financial Federal Credit Union is a federally insured credit union (NCUA charter #13). 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 Efcu Financial Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Efcu Financial Federal Credit Union have?

7 offices as of the latest NCUA data.