TellerScore

Engage Federal Credit Union (NCUA charter #22005) is based in Natchitoches, Louisiana. Its Q2 2026 call report shows $28.5M in total assets and $22.0M in member shares and deposits and 3 offices across 2 states.

Engage Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 18th. Capital cushion contributes the most (100/100, 21.59%); funding & liquidity contributes the least (63/100, 97% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.59%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.95%
Earnings100/100
Return on assets (annualized): 2.21%
Funding & liquidity63/100
Loans ÷ shares: 97.4% · 0.1% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.31%

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 5 points (81 → 86), mostly because the earnings component improved by 13 points.

TellerScore
778490Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202486
Q4 202487
Q1 202590
Q2 202581
Q3 202586
Q4 202585
Q1 202688
Q2 202686
Net worth ratio
7.00%14.80%22.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.61%
Q3 202422.36%
Q4 202422.09%
Q1 202521.70%
Q2 202519.83%
Q3 202521.54%
Q4 202520.92%
Q1 202620.90%
Q2 202621.59%
Delinquent loans (60+ days)
0.56%1.14%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.72%
Q3 20240.73%
Q4 20240.70%
Q1 20250.56%
Q2 20251.27%
Q3 20250.89%
Q4 20250.62%
Q1 20260.79%
Q2 20260.95%
Return on assets
1.57%2.85%4.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.07%
Q3 20242.13%
Q4 20241.88%
Q1 20254.14%
Q2 20251.67%
Q3 20252.41%
Q4 20251.57%
Q1 20263.76%
Q2 20262.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$28.5M21.59%0.95%2.21%97.4%
Q1 202688$29.2M20.90%0.79%3.76%91.7%
Q4 202585$27.9M20.92%0.62%1.57%98.0%
Q3 202586$27.3M21.54%0.89%2.41%100.1%
Q2 202581$28.4M19.83%1.27%1.67%95.0%
Q1 202590$24.4M21.70%0.56%4.14%94.4%
Q4 202487$22.8M22.09%0.70%1.88%101.5%
Q3 202486$22.2M22.36%0.73%2.13%108.2%
Q2 202477$21.9M22.61%1.72%3.07%111.5%

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 ratio21.59%
82nd
Problem loans0.95%
41st
Net charge-offs0.25%
42nd
Return on assets2.21%
96th
Loans to deposits97.4%
4th
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio3.3%
40th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Teachers & Parents Federal Credit UnionCredit union Baton Rouge, LA66 out of 100, Moderate$29.2M8.8%0.06%vs
Cusa Federal Credit UnionCredit union Covington, LA56 out of 100, Moderate$30.6M9.9%1.02%vs
Louisiana Catholic Federal Credit UnionCredit union Shreveport, LA76 out of 100, Strong$26.1M12.6%0.39%vs
Beauregard School Employees Federal Credit UnionCredit union Deridder, LA78 out of 100, Strong$30.9M12.9%0.61%vs
LA Terre Federal Credit UnionCredit union Houma, LA40 out of 100, Below average$25.4M6.7%1.68%vs
Alexandria Municipal Employees Credit UnionCredit union Alexandria, LA84 out of 100, Strong$31.9M14.0%0.28%vs

Deposit insurance

Is my money safe at Engage Federal Credit Union?

Yes. Engage Federal Credit Union is a federally insured credit union (NCUA charter #22005). 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 0.1% of shares and deposits ($12K) 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 21.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Engage Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Engage Federal Credit Union
Type
Federal credit union
NCUA charter #
22005
RSSD ID
891084
Primary regulator
NCUA
Established
1975
Headquarters
256 Highway 3175 Byp, Natchitoches, LA 71457
Employees
11

Quick answers

Engage Federal Credit Union: common questions

Is Engage Federal Credit Union NCUA insured?

Yes. Engage Federal Credit Union is a federally insured credit union (NCUA charter #22005). 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 Engage Federal Credit Union's TellerScore?

86 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 Engage Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Natchitoches

InstitutionScoreAssetsCapitalProblem loansCompare
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs
Colfax Banking CompanyBank Colfax, LA76 out of 100, Strong$152.3M11.0%0.04%vs
Exchange Bank and Trust Company, Natchitoches, LouisianaBank Natchitoches, LA75 out of 100, Strong$212.5M11.4%0.89%vs
Community Bank of LouisianaBank Mansfield, LA74 out of 100, Strong$852.9M10.1%0.01%vs
First Federal Bank of LouisianaBank Lake Charles, LA70 out of 100, Strong$1.1B12.0%0.17%vs
LA Capitol Federal Credit UnionCredit union Baton Rouge, LA67 out of 100, Moderate$798.4M13.1%1.43%vs