TellerScore

Headquartered in Baton Rouge, Louisiana, Essential Credit Union is a federally insured state-chartered credit union with $434.2M in total assets and $362.4M in member shares and deposits as of Q2 2026. It operates 7 offices across 2 states. Its charter dates back to 1972.

Based on its Q2 2026 filing, Essential Credit Union scores 50/100, which we describe as below average. That is higher than only 6% of 1,341 credit unions with $100 million – $1 billion. Among 136 credit unions headquartered in Louisiana, it ranks 121st. Its strongest component is problem-loan coverage (72/100; 14.2%), and its lowest is earnings (38/100; 0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.06%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.45%
Earnings38/100
Return on assets (annualized): 0.46%
Funding & liquidity64/100
Loans ÷ shares: 96.4% · 5.9% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.17%

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 6 points (44 → 50), mostly because the earnings component improved by 28 points.

TellerScore
444953Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202453
Q3 202452
Q4 202444
Q1 202546
Q2 202544
Q3 202546
Q4 202545
Q1 202653
Q2 202650
Net worth ratio
7.00%8.33%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.49%
Q3 20249.16%
Q4 20248.47%
Q1 20258.01%
Q2 20259.67%
Q3 20259.24%
Q4 20259.15%
Q1 20269.04%
Q2 20269.06%
Delinquent loans (60+ days)
0.75%1.26%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20240.75%
Q4 20241.11%
Q1 20250.89%
Q2 20251.76%
Q3 20251.32%
Q4 20251.68%
Q1 20261.12%
Q2 20261.45%
Return on assets
-0.69%-0.10%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.14%
Q3 2024-0.31%
Q4 2024-0.69%
Q1 2025-0.40%
Q2 2025-0.26%
Q3 2025-0.34%
Q4 20250.05%
Q1 20260.48%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$434.2M9.06%1.45%0.46%96.4%
Q1 202653$429.8M9.04%1.12%0.48%92.8%
Q4 202545$419.1M9.15%1.68%0.05%91.5%
Q3 202546$414.1M9.24%1.32%-0.34%92.4%
Q2 202544$400.8M9.67%1.76%-0.26%88.3%
Q1 202546$398.4M8.01%0.89%-0.40%87.7%
Q4 202444$391.0M8.47%1.11%-0.69%91.4%
Q3 202452$387.6M9.16%0.75%-0.31%92.5%
Q2 202453$380.7M9.49%0.86%-0.14%92.2%

1,341 peers · $100 million – $1 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 ratio9.06%
14th
Problem loans1.45%
14th
Net charge-offs0.93%
12th
Return on assets0.46%
27th
Loans to deposits96.4%
6th
Uninsured deposits5.9%
49th
Loan-loss reserves0.00%
50th
Texas ratio14.2%
6th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Cse Federal Credit UnionCredit union Lake Charles, LA65 out of 100, Moderate$446.2M11.3%1.16%vs
Centric Federal Credit UnionCredit union West Monroe, LA62 out of 100, Moderate$447.5M12.3%1.38%vs
Baton Rouge Telco Federal Credit UnionCredit union Baton Rouge, LA71 out of 100, Strong$457.7M12.4%0.36%vs
Ouachita Valley Federal Credit UnionCredit union West Monroe, LA80 out of 100, Strong$464.1M13.1%0.78%vs
Riverland Federal Credit UnionCredit union New Orleans, LA78 out of 100, Strong$319.7M15.8%0.55%vs
The New Orleans Firemen'S Federal Credit UnionCredit union Metairie, LA58 out of 100, Moderate$283.9M11.7%1.19%vs

Deposit insurance

Is my money safe at Essential Credit Union?

Yes. Essential Credit Union is a federally insured credit union (NCUA charter #68736). 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 5.9% of shares and deposits ($21.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.06%, 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

Essential Credit Union lists 7 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Essential Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68736
RSSD ID
693989
Primary regulator
State + NCUA
Established
1972
Headquarters
PO Box 66278, Baton Rouge, LA 70896
Employees
92

Quick answers

Essential Credit Union: common questions

Is Essential Credit Union NCUA insured?

Yes. Essential Credit Union is a federally insured credit union (NCUA charter #68736). 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 Essential Credit Union's TellerScore?

50 out of 100 (Below average), 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 Essential Credit Union have?

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

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Baton Rouge Fire Department Federal Credit UnionCredit union Baton Rouge, LA92 out of 100, Very strong$82.1M22.0%0.52%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Gp Louisiana Federal Credit UnionCredit union Zachary, LA88 out of 100, Very strong$66.2M17.0%0.80%vs
Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs