Federal credit union · Baton Rouge, Louisiana · NCUA charter #13
Efcu Financial
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.24B
- Total assets
- 70,858
- Members
- 9.6%
- Net-worth ratio
Efcu Financial scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.24B; members 70,858; net-worth ratio 9.64%; health rank #689 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#689 of 4,374 health · 2025Q4Efcu Financial · health 93/100 · $1.24B · 2025Q4
- MEM 93/100
- RANK 9.6%
- PHOTO 0.33%
- BOOK 0.78%
- CHARTER $1.24B
- NCUSIF 70,858
- CAMELS #689/4,374
- HEALTH American First
- NW 13
Call Report peers
Efcu Financial in the assets neighbourhood
Efcu Financial's $1.24B assets sit next to American First ($1.24B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Efcu Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Efcu Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Efcu Financial vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 101.10% here, 83.90% peer average (+17.20 pp).
- Net Worth Ratio trails the peer set - 9.64% here, 11.18% peer average (-1.54 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Efcu Financial sits in Louisiana
- In Louisiana, health place is #17 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #3 of 138 inside Louisiana ($1.24B reported).
- Member book place in Louisiana: #5 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Efcu Financial
Efcu Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $1.24B (2025Q4) to $1.28B (2026Q1).
- Net-worth ratio shifted -0.08 pp (9.72% → 9.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 10.0 pts
Efcu Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.64% | -1.54 pp |
| Delinquency Rate | 0.33% | -0.55 pp |
| Return on Assets | 0.78% | +0.27 pp |
| Member Growth | 4.11% | - |
| Loan-to-Share Ratio | 101.10% | +17.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Efcu Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.28B | - |
| 2025Q4 | $1.24B | 70,858 |
| 2024Q4 | $1.17B | 68,058 |
| 2023Q4 | $1.02B | 64,614 |
Credit Union Details
- Charter Number
- 13
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Louisiana
- City
- Baton Rouge
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, Efcu Financial runs 9 offices in 5 different cities.
| Office | City |
|---|---|
| Sherwood - Ops Center (Main Office) | Baton Rouge, LA |
| Monterrey Branch | Baton Rouge, LA |
| Shenandoah Branch | Baton Rouge, LA |
| Refinery Main Gate Branch | Baton Rouge, LA |
| Perkins Branch | Baton Rouge, LA |
| Denham Springs Branch | Denham Springs, LA |
| Burnside Branch | Gonzales, LA |
| Prairieville Branch | Prairieville, LA |
| Zachary Branch | Zachary, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Efcu Financial
Efcu Financial's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.24B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Efcu Financial ranks #689 of 4,374 nationally on financial health and #17 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ONPATH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ONPATH
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Efcu Financial financially healthy?
Efcu Financial scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #689 of 4,374; by total assets it ranks #392 of 4,374 nationally (same basis as /rankings/largest); and #3 of 138 within Louisiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.64% net worth ratio and a 0.33% delinquency rate.
How does Efcu Financial compare to other credit unions?
Five weighted metrics from NCUA filings produce Efcu Financial's 93/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Efcu Financial?
Efcu Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Efcu Financial directly for the exact boundaries and application steps.
Is my money safe at Efcu Financial?
Federal credit unions like Efcu Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Efcu Financial's net worth ratio of 9.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Efcu Financial offer compared to banks?
Credit unions like Efcu Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Efcu Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.