EFCU Financial Federal Credit Union

Baton Rouge, LA

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	EFCU Financial Federal Credit Union Baton Rouge, LA	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.30
Capitalization Index	6.00
Liquidity Index	0.80
Profitability Index	7.60
Stability Index	4.30

Company Info	EFCU Financial Federal Credit Union Baton Rouge, LA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	128
Phone Number	(225) 214-6800
Website	www.efcufinancial.org

Asset Quality	EFCU Financial Federal Credit Union Baton Rouge, LA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	8.13%
5-Year Asset Growth	16.62%
5-Year Charge-Offs to Average Loans	0.15%
Charge-Offs to Average Loans	0.32%
Non-Performing Assets to Assets	0.34%
Non-Performing Loans to Capital	3.95%
Non-Performing Loans to Loans	0.32%

Balance Sheet	EFCU Financial Federal Credit Union Baton Rouge, LA	Click to Compare	Click to Compare	Click to Compare
Total Assets	1.22B
Total Deposits	1.06B

Capital and Reserves	EFCU Financial Federal Credit Union Baton Rouge, LA	Click to Compare	Click to Compare	Click to Compare
Capital	101.93M
Leverage Ratio	9.74
Loan Loss Reserves to Loans	0.33%

Liquidity	EFCU Financial Federal Credit Union Baton Rouge, LA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	45.05%
Liquidity Ratio	10.49%

Profitability	EFCU Financial Federal Credit Union Baton Rouge, LA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.15%
Net Income	8.95M
Net Interest Spread	3.03%
Operating Profit to Average Assets	1.27%
Overhead Efficiency Ratio	66.08%
Return on Assets	0.99%
Return on Equity	12.26%