P.H.I. Federal Credit Union (NCUA charter #21879) is based in Lafayette, Louisiana. Its Q2 2026 call report shows $4.9M in total assets and $4.5M in member shares and deposits and 1 office.
P.H.I. Federal Credit Union has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 15% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 111th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (0/100, -0.59%).
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 rose 21 points (34 → 55), mostly because the loan quality component improved by 81 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 49 |
| Q4 2024 | 52 |
| Q1 2025 | 33 |
| Q2 2025 | 34 |
| Q3 2025 | 45 |
| Q4 2025 | 55 |
| Q1 2026 | 54 |
| Q2 2026 | 55 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.00% |
| Q3 2024 | 7.95% |
| Q4 2024 | 8.57% |
| Q1 2025 | 8.22% |
| Q2 2025 | 8.08% |
| Q3 2025 | 8.01% |
| Q4 2025 | 7.25% |
| Q1 2026 | 6.88% |
| Q2 2026 | 6.97% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.81% |
| Q4 2024 | 1.85% |
| Q1 2025 | 2.45% |
| Q2 2025 | 2.42% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.38% |
| Q3 2024 | -0.36% |
| Q4 2024 | 1.10% |
| Q1 2025 | -0.81% |
| Q2 2025 | -0.87% |
| Q3 2025 | -1.11% |
| Q4 2025 | -1.83% |
| Q1 2026 | -0.66% |
| Q2 2026 | -0.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $4.9M | 6.97% | 0.00% | -0.59% | 68.6% |
| Q1 2026 | 54 | $5.0M | 6.88% | 0.00% | -0.66% | 68.8% |
| Q4 2025 | 55 | $4.9M | 7.25% | 0.00% | -1.83% | 75.0% |
| Q3 2025 | 45 | $5.0M | 8.01% | 1.15% | -1.11% | 76.2% |
| Q2 2025 | 34 | $5.2M | 8.08% | 2.42% | -0.87% | 72.2% |
| Q1 2025 | 33 | $5.3M | 8.22% | 2.45% | -0.81% | 76.5% |
| Q4 2024 | 52 | $5.2M | 8.57% | 1.85% | 1.10% | 81.0% |
| Q3 2024 | 49 | $5.5M | 7.95% | 0.81% | -0.36% | 81.1% |
| Q2 2024 | 53 | $5.5M | 8.00% | 0.31% | -0.38% | 83.3% |
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 |
|---|---|---|---|---|---|
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |
| Orleans Parish Sheriff'S Credit UnionCredit union New Orleans, LA | 72 out of 100, Strong | $5.0M | 46.8% | 1.02% | vs |
| East Baton Rouge Teachers Federal Credit UnionCredit union Baton Rouge, LA | 29 out of 100, Low | $4.8M | 8.8% | 7.75% | vs |
| Sabine School Employees Federal Credit UnionCredit union Many, LA | 73 out of 100, Strong | $5.2M | 20.1% | 1.21% | vs |
| Montell Federal Credit UnionCredit union Sulphur, LA | 66 out of 100, Moderate | $4.5M | 24.4% | 2.04% | vs |
| Davison Employees Federal Credit UnionCredit union Sulphur, LA | 56 out of 100, Moderate | $4.3M | 23.7% | 2.09% | vs |
Deposit insurance
Is my money safe at P.H.I. Federal Credit Union?
Yes. P.H.I. Federal Credit Union is a federally insured credit union (NCUA charter #21879). 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 0.0% of shares and deposits ($0) 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 6.97%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
P.H.I. Federal Credit Union lists 1 office in 1 city. Most locations:
- Lafayette, LA (1)
Identity & history
Profile
- Legal name
- P.H.I. Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21879
- RSSD ID
- 181187
- Primary regulator
- NCUA
- Established
- 1975
- Headquarters
- P O Box 82405, Lafayette, LA 70598
- Employees
- 3
Quick answers
P.H.I. Federal Credit Union: common questions
Is P.H.I. Federal Credit Union NCUA insured?
Yes. P.H.I. Federal Credit Union is a federally insured credit union (NCUA charter #21879). 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 P.H.I. Federal Credit Union's TellerScore?
55 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 P.H.I. Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lafayette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Acadiana Medical Federal Credit UnionCredit union Lafayette, LA | 92 out of 100, Very strong | $13.5M | 25.5% | 0.00% | vs |
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| Gulf Coast BankBank Abbeville, LA | 86 out of 100, Very strong | $513.7M | 14.7% | 0.63% | vs |
| Currency BankBank Baton Rouge, LA | 86 out of 100, Very strong | $248.5M | 13.4% | 0.14% | vs |
| Bayou Federal Credit UnionCredit union Baton Rouge, LA | 84 out of 100, Strong | $82.5M | 15.9% | 0.30% | vs |
| Acadian Federal Credit UnionCredit union Lafayette, LA | 83 out of 100, Strong | $20.9M | 11.9% | 0.02% | vs |