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4361 Youree Dr
Shreveport, LA 71105

Aneca Credit Union is headquartered in Shreveport and is the 23rd largest credit union in the state of Louisiana. It is also the 1,444th largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 28 employees and 6,033 members. Aneca Credit Union's savings rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Bossier, Caddo or DeSoto Parish. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Aneca Credit Union had $1.04 million in non-current loans and owned real-estate with $19.24 million in equity and loan loss allowances on hand to cover it. This gives Aneca Credit Union a Texas Ratio of 5.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Aneca Credit Union decreased slightly from 6.88% as of March 31, 2013 to 5.41% as of March 31, 2014, resulting in a positive change of 21.47%.This indicates that the balance sheet and financial strength for Aneca Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Aneca Credit Union has decreased its total deposits by -$6.74 million, resulting in -7.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Aneca Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Aneca Credit Union has $108.07 million in assets with $19.24 million in equity, resulting in a capitalization level of 17.80%, which is excellent.

Institution Statistics

NCUA #3212
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$108.07 million
Loans$57.47 million
Deposits$89.14 million
Equity Capital$18.32 million
Loan Loss Allowance$921,000
Unbacked Noncurrent Loans$560,000
Real Estate Owned$480,000
Historic Data - March 2013
Assets$115.45 million
Equity Capital$18.89 million
Loan Loss Allowance$779,000
Unbacked Noncurrent Loans$560,000
Real Estate Owned$118,000
Profit Margin - Quarterly
Net Interest Margin1.26%
Return on Assets-0.13%
Return on Equity-0.79%
Interest Income$953,000

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Aneca Credit Union Savings Account Rates

1.50%--Holiday Club Account
0.35%--Variable IRA
0.35%--Variable Roth IRA
0.35%--Variable CESA
0.10%--Share Savings Account

Aneca Credit Union Money Market Rates

0.35%$50k-Money Market Account

Aneca Credit Union Checking Account Rates

0.05%$1k-Share Draft

Aneca Credit Union CD Rates

1.20%$1k-5 Year Share Certificate
1.00%$1k-4 Year Share Certificate
0.90%$1k-3 Year Share Certificate
0.75%$1k-2 Year Share Certificate
0.55%$1k-1 Year Share Certificate
0.35%$1k-6 Month Share Certifcate

Aneca Credit Union IRA Rates

1.30%--5 Year IRA
1.10%--4 Year IRA
1.00%--3 Year IRA
0.85%--2 Year IRA
0.65%--1 Year IRA

Aneca Credit Union Locations
Branch Office4361 Youree DrShreveport, LA 71105
Branch Office525 Milam StShreveport, LA 71101-3523
Branch Office2650 Benton RdBossier City, LA 71111