Efcu Financial

10719 Airline Hwy
Baton Rouge, LA 70816


General Credit Union Information

NCUA Insured Yes
Charter Number # # 13
Date Established 1934
Assets $343.72 million
Loans $275.27 million
Deposits $295.16 million
Capital $31.32 million

Efcu Financial is an NCUA insured institution located in Baton Rouge, LA. It was founded in 1934 and has approximately $343.72 millions in assets.

Who can join (Field of Membership)?

Membership is open to anyone who meets one of the following:
1.Persons who live, work, worship or attend school in these nine Louisiana Parishes:
• East Baton Rouge
• West Baton Rouge
• Ascension
• East Feliciana
• West Feliciana
• Iberville
• Livingston
• Point Coupee
• St. Helena
2. Immediate family or household members (limited to spouses, parents, grandparents, children, grandchildren and siblings) of a current EFCU member.
3. Spouse of a person who died while within the field of membership

Field of Membership Restrictions

Membership in EFCU Financial is open to those who live, work, worship or attend school in the Louisiana Parishes of East Baton Rouge; West Baton Rouge; Ascension; East Feliciana; West Feliciana; Iberville; Livingston; Point Coupee; St. Helena. Membership is also open to immediate family of existing members.

Savings Rates

Your Current Location: Virginia, VA 20146

06MCD10K 0.60% $500 $99,999 Learn MoreShow Less
Savings Rates APY MIN MAX
FIXIRA0K 1.10% $500 $99,999 Learn MoreShow Less
Special: 13 Mo FIRA 1.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 0.25% $1 - Learn MoreShow Less
MM 2.5K 0.10% $2,500 $9,999 Learn MoreShow Less
MM 10K 0.15% $10,000 $24,999 Learn MoreShow Less
MM 25K 0.20% $25,000 $49,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

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Efcu Financial Locations

Financial Details

Efcu Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Efcu Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA insured. Depositors should be careful to remain within NCUA-insurance limits.

Texas Ratio
Efcu Financial U.S. Average
1.49% 7.80%

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. As of December 31, 2016, Efcu Financial had $431,380 in non-current loans and $47,000 in owned assets. To cover these potential losses it had $31,319,791 in net worth and $736,329 in loans loss reserves. That gives it a Texas Ratio of 1.49%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth
Efcu Financial U.S. Average
9.91% 13.06%

Efcu Financial FCU has a net worth of 9.91% versus the BestCashCow average of 13.06%. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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