LA Terre Federal Credit Union is a federal credit union headquartered in Houma, Louisiana, in business for about 56 years. At the end of Q2 2026 it reported $25.4M in total assets and $23.8M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, LA Terre Federal Credit Union scores 40/100, which we describe as below average. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 129th. Its strongest component is funding & liquidity (73/100; 88% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (17/100; 6.65%).
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 17 points (57 → 40), mostly because the loan quality component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 50 |
| Q4 2024 | 37 |
| Q1 2025 | 52 |
| Q2 2025 | 57 |
| Q3 2025 | 53 |
| Q4 2025 | 42 |
| Q1 2026 | 38 |
| Q2 2026 | 40 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.28% |
| Q3 2024 | 9.30% |
| Q4 2024 | 7.48% |
| Q1 2025 | 7.83% |
| Q2 2025 | 7.87% |
| Q3 2025 | 7.70% |
| Q4 2025 | 6.48% |
| Q1 2026 | 6.30% |
| Q2 2026 | 6.65% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.50% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.99% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.68% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.23% |
| Q4 2024 | -0.73% |
| Q1 2025 | 1.38% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.08% |
| Q1 2026 | -0.33% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 40 | $25.4M | 6.65% | 1.68% | 0.52% | 87.5% |
| Q1 2026 | 38 | $25.4M | 6.30% | 1.00% | -0.33% | 91.9% |
| Q4 2025 | 42 | $25.1M | 6.48% | 0.99% | 0.08% | 94.0% |
| Q3 2025 | 53 | $25.5M | 7.70% | 0.57% | 0.33% | 92.2% |
| Q2 2025 | 57 | $25.4M | 7.87% | 0.44% | 0.79% | 94.8% |
| Q1 2025 | 52 | $25.4M | 7.83% | 1.50% | 1.38% | 93.9% |
| Q4 2024 | 37 | $25.5M | 7.48% | 1.43% | -0.73% | 94.1% |
| Q3 2024 | 50 | $26.2M | 9.30% | 1.27% | 0.23% | 94.6% |
| Q2 2024 | 54 | $26.3M | 9.28% | 0.86% | 0.36% | 94.7% |
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).
Similar-size credit unions in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| People'S Credit UnionCredit union Rayne, LA | 72 out of 100, Strong | $24.9M | 19.7% | 2.12% | vs |
| Louisiana Catholic Federal Credit UnionCredit union Shreveport, LA | 76 out of 100, Strong | $26.1M | 12.6% | 0.39% | vs |
| Internal Revenue Federal Credit UnionCredit union New Orleans, LA | 89 out of 100, Very strong | $22.5M | 14.1% | 0.22% | vs |
| Federal Employees Credit UnionCredit union Monroe, LA | 82 out of 100, Strong | $22.4M | 33.2% | 1.18% | vs |
| Engage Federal Credit UnionCredit union Natchitoches, LA | 86 out of 100, Very strong | $28.5M | 21.6% | 0.95% | vs |
| Feliciana Federal Credit UnionCredit union Zachary, LA | 70 out of 100, Strong | $22.1M | 16.1% | 0.86% | vs |
Deposit insurance
Is my money safe at LA Terre Federal Credit Union?
Yes. LA Terre Federal Credit Union is a federally insured credit union (NCUA charter #20002). 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 0.3% of shares and deposits ($81K) 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 6.65%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
LA Terre Federal Credit Union lists 1 office in 1 city. Most locations:
- Houma, LA (1)
Identity & history
Profile
- Legal name
- LA Terre Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20002
- RSSD ID
- 515782
- Primary regulator
- NCUA
- Established
- 1970
- Headquarters
- 701 Barrow St, Houma, LA 70360
- Employees
- 12
Quick answers
LA Terre Federal Credit Union: common questions
Is LA Terre Federal Credit Union NCUA insured?
Yes. LA Terre Federal Credit Union is a federally insured credit union (NCUA charter #20002). 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 LA Terre Federal Credit Union's TellerScore?
40 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 LA Terre Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Houma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |
| United Community BankBank Raceland, LA | 83 out of 100, Strong | $665.5M | 14.5% | 0.73% | vs |
| Riverland Federal Credit UnionCredit union New Orleans, LA | 78 out of 100, Strong | $319.7M | 15.8% | 0.55% | vs |
| State Bank & Trust CompanyBank Golden Meadow, LA | 74 out of 100, Strong | $165.1M | 10.6% | 0.46% | vs |
| First American Bank and TrustBank Vacherie, LA | 73 out of 100, Strong | $1.4B | 13.8% | 1.28% | vs |