credit union · NCUA 20972 · LA
How big is ESSENTIAL?
ESSENTIAL (LA, NCUA charter 20972) reported total assets of $394.2M, 45,083 members and a net worth ratio of 8.39% in its Call Report for 2022Q3. That ranks 843 of 4,917 federally insured credit unions by assets, 125 of 1,112 among credit unions with $100m-$500m in assets, 13 of 155 credit unions in louisiana.
What stands out
ESSENTIAL (LA, NCUA charter 20972) reported total assets of $394.2M, 45,083 members and a net worth ratio of 8.39% in its Call Report for 2022Q3. That ranks 843 of 4,917 federally insured credit unions by assets, 125 of 1,112 among credit unions with $100m-$500m in assets, 13 of 155 credit unions in louisiana. Against its size class: net worth ratio 8.39%, below the peer median of 10.07%; loan-to-share ratio 91.81%, above the peer median of 67.64%; return on assets 0.52%, below the peer median of 0.62%. At 8.39% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2022Q3
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2022Q3 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $394.2M | $193.5M | $18.6M | $53.6M | record → |
| Shares and deposits | $346.0M | $173.2M | $15.9M | $47.2M | record → |
| Loans outstanding | $317.7M | $115.5M | $8.8M | $25.1M | record → |
| Net income (year to date) | $1.5M | $894.6k | $45.9k | $167.7k | record → |
| Net worth | $33.1M | $20.6M | $2.9M | $5.9M | record → |
| Net worth ratio | 8.39% | 10.07% | 12.61% | 10.78% | record → |
| Loan-to-share ratio | 91.81% | 67.64% | 59.34% | 61.30% | computed |
| Return on assets | 0.52% | 0.62% | 0.52% | 0.49% | computed |
| Members | 45,083 | 13,910 | 1,889 | 4,116 | record → |
Quarter by quarter
30 Call Reports on record, 2015Q2–2022Q3; the 30 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2022Q3 | $394.2M | $346.0M | $317.7M | $1.5M | 8.39% | 45,083 | 843 |
| 2022Q2 | $368.4M | $327.8M | $304.1M | $1.3M | 8.92% | 44,414 | 873 |
| 2022Q1 | $376.4M | $341.9M | $282.6M | $886.8k | 8.63% | 43,658 | 862 |
| 2021Q4 | $357.8M | $324.1M | $273.5M | $3.4M | 8.83% | 43,000 | 875 |
| 2021Q3 | $361.5M | $326.8M | $263.5M | $3.1M | 8.65% | 42,461 | 865 |
| 2021Q2 | $359.7M | $329.0M | $260.9M | $1.6M | 8.29% | 41,865 | 857 |
| 2021Q1 | $362.1M | $332.8M | $253.9M | $514.8k | 7.92% | 40,943 | 852 |
| 2020Q4 | $336.5M | $304.8M | $246.3M | $443.0k | 8.37% | 40,219 | 853 |
| 2020Q3 | $332.4M | $302.8M | $231.4M | $-1.1M | 8.01% | 39,680 | 848 |
| 2020Q2 | $328.8M | $299.7M | $218.3M | $-760.3k | 8.20% | 39,024 | 842 |
| 2020Q1 | $310.4M | $282.4M | $223.3M | $-663.6k | 8.71% | 38,560 | 833 |
| 2019Q4 | $313.2M | $281.8M | $230.2M | $332.2k | 8.85% | 38,598 | 810 |
| 2019Q3 | $314.5M | $284.9M | $243.5M | $134.5k | 8.75% | 38,333 | 796 |
| 2019Q2 | $333.1M | $300.6M | $246.8M | $689.2k | 8.43% | 37,704 | 771 |
| 2019Q1 | $338.0M | $305.6M | $258.2M | $392.7k | 8.22% | 37,173 | 761 |
| 2018Q4 | $320.2M | $291.1M | $262.4M | $2.1M | 8.55% | 36,495 | 771 |
| 2018Q3 | $326.2M | $296.1M | $261.4M | $2.0M | 8.34% | 35,857 | 765 |
| 2018Q2 | $307.5M | $278.3M | $260.1M | $-196.4k | 8.14% | 35,107 | 793 |
| 2018Q1 | $321.5M | $292.0M | $259.1M | $180.3k | 7.90% | 34,251 | 769 |
| 2017Q4 | $319.7M | $283.9M | $265.6M | $165.5k | 7.89% | 33,629 | 761 |
| 2017Q3 | $326.2M | $289.9M | $283.9M | $244.6k | 7.76% | 33,052 | 741 |
| 2017Q2 | $338.4M | $297.8M | $292.2M | $175.1k | 7.46% | 32,303 | 719 |
| 2017Q1 | $358.2M | $306.5M | $301.6M | $265.6k | 7.44% | 31,461 | 678 |
| 2016Q4 | $337.2M | $294.4M | $300.7M | $199.1k | 7.78% | 30,448 | 697 |
| 2016Q3 | $339.9M | $287.6M | $299.5M | $100.5k | 8.27% | 29,426 | 687 |
| 2016Q2 | $318.6M | $271.0M | $276.7M | $441.2k | 8.24% | 28,010 | 717 |
| 2016Q1 | $306.0M | $257.9M | $258.3M | $337.9k | 9.14% | 26,697 | 739 |
| 2015Q4 | $288.2M | $242.4M | $245.9M | $1.0M | 9.34% | 25,604 | 755 |
| 2015Q3 | $281.7M | $232.1M | $240.0M | $625.1k | 9.37% | 25,545 | 754 |
| 2015Q2 | $267.7M | $222.8M | $234.6M | $350.8k | 9.56% | 24,755 | 781 |
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