TellerScore

Southwest Louisiana Credit Union is a federally insured state-chartered credit union headquartered in Lake Charles, Louisiana, in business for about 74 years. At the end of Q2 2026 it reported $182.6M in total assets and $154.4M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Southwest Louisiana Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 136 credit unions headquartered in Louisiana, it ranks 69th. Its strongest component is capital cushion (100/100; 15.84%), and its lowest is earnings (45/100; 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.84%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.45%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity63/100
Loans ÷ shares: 97.5% · 3.3% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.17%

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 fell 2 points (72 → 70), mostly because the loan quality component weakened by 12 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202468
Q1 202569
Q2 202572
Q3 202574
Q4 202574
Q1 202674
Q2 202670
Net worth ratio
7.00%11.48%15.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.43%
Q3 202415.62%
Q4 202415.67%
Q1 202515.10%
Q2 202515.53%
Q3 202515.81%
Q4 202515.95%
Q1 202615.54%
Q2 202615.84%
Delinquent loans (60+ days)
0.95%1.20%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.32%
Q3 20241.26%
Q4 20241.30%
Q1 20251.24%
Q2 20251.07%
Q3 20250.95%
Q4 20251.09%
Q1 20261.01%
Q2 20261.45%
Return on assets
0.16%0.43%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.26%
Q4 20240.18%
Q1 20250.16%
Q2 20250.42%
Q3 20250.58%
Q4 20250.70%
Q1 20260.58%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$182.6M15.84%1.45%0.61%97.5%
Q1 202674$184.3M15.54%1.01%0.58%92.4%
Q4 202574$177.8M15.95%1.09%0.70%98.6%
Q3 202574$177.1M15.81%0.95%0.58%97.1%
Q2 202572$177.7M15.53%1.07%0.42%95.3%
Q1 202569$180.8M15.10%1.24%0.16%90.4%
Q4 202468$173.7M15.67%1.30%0.18%93.8%
Q3 202469$175.3M15.62%1.26%0.26%92.9%
Q2 202468$176.2M15.43%1.32%0.16%91.7%

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 ratio15.84%
89th
Problem loans1.45%
14th
Net charge-offs0.81%
15th
Return on assets0.61%
40th
Loans to deposits97.5%
5th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio8.2%
20th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Jefferson Parish Employees Federal Credit UnionCredit union Harahan, LA76 out of 100, Strong$166.1M13.4%0.44%vs
Wymar Federal Credit UnionCredit union Geismar, LA80 out of 100, Strong$165.4M16.5%1.20%vs
Epic Federal Credit UnionCredit union Metairie, LA60 out of 100, Moderate$164.5M14.6%2.10%vs
Xplore Federal Credit UnionCredit union Metairie, LA67 out of 100, Moderate$147.1M12.0%0.38%vs
Heart of Louisiana Federal Credit UnionCredit union Pineville, LA84 out of 100, Strong$143.2M16.7%0.35%vs
Kraftman Federal Credit UnionCredit union Bastrop, LA78 out of 100, Strong$141.8M14.6%0.97%vs

Deposit insurance

Is my money safe at Southwest Louisiana Credit Union?

Yes. Southwest Louisiana Credit Union is a federally insured credit union (NCUA charter #62756). 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 3.3% of shares and deposits ($5.2M) 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 15.84%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Southwest Louisiana Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southwest Louisiana Credit Union reported 106 home-loan applications under HMDA (LEI 549300JFKW9425KOPI17): 78 originated ($8,680,000 total), 26 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.5%, 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
Southwest Louisiana Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62756
RSSD ID
752596
Primary regulator
State + NCUA
Established
1952
Headquarters
2255 E McNeese St, Lake Charles, LA 70607
Employees
75

Quick answers

Southwest Louisiana Credit Union: common questions

Is Southwest Louisiana Credit Union NCUA insured?

Yes. Southwest Louisiana Credit Union is a federally insured credit union (NCUA charter #62756). 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 Southwest Louisiana Credit Union's TellerScore?

70 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 Southwest Louisiana Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lake Charles

InstitutionScoreAssetsCapitalProblem loansCompare
Calcasieu Teachers and Employees Credit UnionCredit union Lake Charles, LA86 out of 100, Very strong$62.9M16.3%0.13%vs
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs
Red River BankBank Alexandria, LA82 out of 100, Strong$3.3B12.5%0.11%vs
First National Bank of LouisianaBank Crowley, LA78 out of 100, Strong$631.1M11.0%0.00%vs
The Evangeline Bank and Trust CompanyBank Ville Platte, LA77 out of 100, Strong$1.1B14.2%1.24%vs
Old Spanish Trail Credit UnionCredit union Westlake, LA77 out of 100, Strong$5.5M30.5%0.31%vs