ESSENTIAL
Baton Rouge, LA · State Credit Union · Chartered in LA
Who can join
State government employees (special charter)
Members
31,118
Net Worth Ratio
9.04%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$429.8M
Peer Group 5
Members
31,118
as of latest quarter
Net Worth Ratio
9.04%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$429.8M
Total Shares
$370.2M
Total Loans
$343.6M
Net Worth Ratio
9.04%
≥7% = Well Capitalized
Members
31,118
Delinquency Rate (60d+)
0.83%
$2.9M
Loan-to-share ratio: 92.8%· healthy range 60–80%
Branch Locations
NCUATowne Center-Operations Center
2370 Towne Center BLVD, Baton Rouge, LA, 70806
Mon-Fri 8:00 am to 5:00 pm Sat - 9:00am-12:00pm
Siegen FRC
6725 Siegen Ln, Baton Rouge, LA, 70809
8:00am - 6:00pm Mon - Fri 9:00am - 12:00pm Sat
Gonzales FRC
1051 N Airline Hwy, Gonzales, LA, 70737
9:00am - 6:00pm Mon - Fri 9:00am - 12:00pm Sat
Plaquemine FRC
21925 Highway 1, Plaquemine, LA, 70764-5132
8:00am - 5:00pm -- Mon - Fri 9:00am - 12:00pm -- Sat
Houston Texas
12012 Space Center Blvd, Houston, TX, 77059
Mon-Fri 8:00am - 5:00pm
Towne Center
2370 Towne Center Blvd, Baton Rouge, LA, 70806
Mon-Fri 8:00 am - 5:00pm
Walker FRC
28645 Walker Rd S, Walker, LA, 70785
8:00am - 5:00pm Mon - Fri 9:00am - 12:00pm Sat
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/essential" target="_blank" rel="noopener">View ESSENTIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.