Headquartered in Pineville, Louisiana, Heart of Louisiana Federal Credit Union is a federal credit union with $143.2M in total assets and $120.5M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1955.
Based on its Q2 2026 filing, Heart of Louisiana Federal Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 136 credit unions headquartered in Louisiana, it ranks 23rd. Its strongest component is capital cushion (100/100; 16.71%), and its lowest is earnings (39/100; 0.48%).
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 fell 2 points (86 → 84), mostly because the earnings component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 84 |
| Q4 2024 | 89 |
| Q1 2025 | 89 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 87 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.25% |
| Q3 2024 | 16.69% |
| Q4 2024 | 16.95% |
| Q1 2025 | 16.32% |
| Q2 2025 | 16.42% |
| Q3 2025 | 16.94% |
| Q4 2025 | 16.67% |
| Q1 2026 | 16.21% |
| Q2 2026 | 16.71% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 1.16% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.33% |
| Q1 2025 | 0.97% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $143.2M | 16.71% | 0.35% | 0.48% | 67.1% |
| Q1 2026 | 83 | $146.4M | 16.21% | 0.42% | 0.38% | 63.9% |
| Q4 2025 | 87 | $141.5M | 16.67% | 0.41% | 0.95% | 65.5% |
| Q3 2025 | 87 | $138.3M | 16.94% | 0.43% | 0.94% | 64.2% |
| Q2 2025 | 86 | $139.9M | 16.42% | 0.45% | 0.75% | 62.9% |
| Q1 2025 | 89 | $139.6M | 16.32% | 0.33% | 0.97% | 60.6% |
| Q4 2024 | 89 | $132.4M | 16.95% | 0.62% | 1.33% | 63.6% |
| Q3 2024 | 84 | $132.8M | 16.69% | 1.16% | 1.27% | 61.1% |
| Q2 2024 | 89 | $134.3M | 16.25% | 0.67% | 1.35% | 61.8% |
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).
Similar-size credit unions in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kraftman Federal Credit UnionCredit union Bastrop, LA | 78 out of 100, Strong | $141.8M | 14.6% | 0.97% | vs |
| Xplore Federal Credit UnionCredit union Metairie, LA | 67 out of 100, Moderate | $147.1M | 12.0% | 0.38% | vs |
| Cenla Federal Credit UnionCredit union Alexandria, LA | 96 out of 100, Very strong | $132.2M | 21.7% | 0.09% | vs |
| Eagle Louisiana Federal Credit UnionCredit union Baton Rouge, LA | 72 out of 100, Strong | $126.4M | 11.9% | 0.58% | vs |
| Department of Corrections Credit UnionCredit union Baton Rouge, LA | 90 out of 100, Very strong | $126.3M | 23.4% | 0.57% | vs |
| Epic Federal Credit UnionCredit union Metairie, LA | 60 out of 100, Moderate | $164.5M | 14.6% | 2.10% | vs |
Deposit insurance
Is my money safe at Heart of Louisiana Federal Credit Union?
Yes. Heart of Louisiana Federal Credit Union is a federally insured credit union (NCUA charter #10164). 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 2.3% of shares and deposits ($2.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 16.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Heart of Louisiana Federal Credit Union lists 4 offices in 3 cities. Most locations:
- Alexandria, LA (2)
- Marksville, LA (1)
- Pineville, LA (1)
HMDA 2025
Mortgage lending
In 2025, Heart of Louisiana Federal Credit Union reported 8 home-loan applications under HMDA (LEI 549300X7EIYXZ10LDJ13): 4 originated ($370,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Heart of Louisiana Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10164
- RSSD ID
- 165589
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- P O Box 4030, Pineville, LA 71360
- Employees
- 46
Quick answers
Heart of Louisiana Federal Credit Union: common questions
Is Heart of Louisiana Federal Credit Union NCUA insured?
Yes. Heart of Louisiana Federal Credit Union is a federally insured credit union (NCUA charter #10164). 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 Heart of Louisiana Federal Credit Union's TellerScore?
84 out of 100 (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 Heart of Louisiana Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pineville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cenla Federal Credit UnionCredit union Alexandria, LA | 96 out of 100, Very strong | $132.2M | 21.7% | 0.09% | vs |
| Rapides Federal Credit UnionCredit union Alexandria, LA | 96 out of 100, Very strong | $6.2M | 29.5% | 0.17% | vs |
| Department of Corrections Credit UnionCredit union Baton Rouge, LA | 90 out of 100, Very strong | $126.3M | 23.4% | 0.57% | vs |
| Rapides General Hospital Empl Federal Credit UnionCredit union Alexandria, LA | 87 out of 100, Very strong | $12.6M | 16.8% | 0.00% | vs |
| Engage Federal Credit UnionCredit union Natchitoches, LA | 86 out of 100, Very strong | $28.5M | 21.6% | 0.95% | vs |
| Alexandria Municipal Employees Credit UnionCredit union Alexandria, LA | 84 out of 100, Strong | $31.9M | 14.0% | 0.28% | vs |