State credit union · Baton Rouge, Louisiana · NCUA charter #68736
ESSENTIAL
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $419.1M
- Total assets
- 30,534
- Members
- 9.0%
- Net-worth ratio
ESSENTIAL scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $419.1M; members 30,534; net-worth ratio 9.04%; health rank #4,141 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,141 of 4,374 health · 2025Q4ESSENTIAL · health 57/100 · $419.1M · 2025Q4
Call Report peers
ESSENTIAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ESSENTIAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ESSENTIAL sits in 55-59 with 115 others.
57 5th percentile higher than 5% 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
ESSENTIAL: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +19.28 pp (91.48% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -3.07 pp (9.04% vs 12.11%).
Where ESSENTIAL sits in Louisiana
- Louisiana health ordinal: #121 of 138.
- Louisiana assets place: #13 of 138.
- Louisiana membership ordinal: #13 of 138.
- One place up in Louisiana, Coast Guard Employees (#120) ties at 57/100; one place down, Total Choice (#122) ties at 57/100.
ESSENTIAL Call Report trajectory
ESSENTIAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $419.1M (2025Q4) to $429.8M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.15% → 9.04%).
At 9.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 57/100 score is built
ESSENTIAL gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 0.7.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 14.9 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.04% | -3.07 pp |
| Delinquency Rate | 1.68% | +0.79 pp |
| Return on Assets | -0.64% | -1.27 pp |
| Member Growth | -29.01% | - |
| Loan-to-Share Ratio | 91.48% | +19.28 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ESSENTIAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $429.8M | - |
| 2025Q4 | $419.1M | 30,534 |
| 2024Q4 | $391.0M | 43,011 |
| 2023Q4 | $386.4M | 46,913 |
Credit Union Details
- Charter Number
- 68736
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- Baton Rouge
- Data Quarter
- 2025Q4
Branch Locations (7)
ESSENTIAL operates 7 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Towne Center-Operations Center (Main Office) | Baton Rouge, LA |
| Siegen FRC | Baton Rouge, LA |
| Towne Center | Baton Rouge, LA |
| Gonzales FRC | Gonzales, LA |
| Houston Texas | Houston, TX |
| Plaquemine FRC | Plaquemine, LA |
| Walker FRC | Walker, 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.
Cross-state Call Report peers for ESSENTIAL
Similar total assets
Similar health score
Using this data
- ESSENTIAL ranks #4,141 of 4,374 nationally on financial health and #121 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENTRIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTRIC
Frequently Asked Questions
Is ESSENTIAL financially healthy?
ESSENTIAL has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,141 of 4,374 nationally on health and #121 of 138 in Louisiana. Its net worth ratio is 9.04% and its delinquency rate 1.68%.
How does ESSENTIAL compare to other credit unions?
ESSENTIAL scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.48% vs 72.20%). Its widest shortfall is net worth ratio (9.04% vs 12.11%).
How can I join ESSENTIAL?
Membership eligibility for ESSENTIAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ESSENTIAL directly for current membership requirements and application steps.
Is my money safe at ESSENTIAL?
ESSENTIAL is a state-chartered credit union; its shares are federally 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. ESSENTIAL's net worth ratio of 9.04% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.