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Baton Rouge Telco Federal Credit Union

Overview / Commentary
225-924-8900
13404 Airline Hwy
Baton Rouge, LA 70817

Baton Rouge Telco Federal Credit Union is headquartered in Baton Rouge and is the 10st largest credit union in the state of Louisiana. It is also the 807th largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 62 employees and 23,965 members. Baton Rouge Telco Federal Credit Union's savings rates are 92% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Baton Rouge Telco extended its membership again to the Baton Rouge Metropolitan area to include anyone who lives, works, worships, or attends school in the following parishes: Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, Saint Helena, West Baton Rouge, West Feliciana and Tangipahoa Parishes. - See Details

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Baton Rouge Telco Federal Credit Union had $1.98 million in non-current loans and owned real-estate with $26.63 million in equity and loan loss allowances on hand to cover it. This gives Baton Rouge Telco Federal Credit Union a Texas Ratio of 7.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Baton Rouge Telco Federal Credit Union decreased slightly from 9.26% as of December 31, 2012 to 7.44% as of December 31, 2013, resulting in a positive change of 19.61%.This indicates that the balance sheet and financial strength for Baton Rouge Telco Federal Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Baton Rouge Telco Federal Credit Union has increased its total deposits by $12.88 million, resulting in 6.44% 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 Baton Rouge Telco Federal Credit Union has shown is excellent.

Capitalization

GRADE:
A

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. Baton Rouge Telco Federal Credit Union has $238.69 million in assets with $26.63 million in equity, resulting in a capitalization level of 11.16%, which is excellent.

Institution Statistics

Overall
NCUA #1726
Year Chartered1936
Employees62
Primary Regulator
Assets and Liabilities
Assets$238.69 million
Loans$191.48 million
Deposits$212.96 million
Equity Capital$25.31 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$1.98 million
Real Estate Owned$0
Historic Data - December 2012
Assets$223.73 million
Equity Capital$23.31 million
Loan Loss Allowance$1.20 million
Unbacked Noncurrent Loans$1.98 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.33%
Return on Assets0.86%
Return on Equity8.15%
Interest Income$9.23 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Baton Rouge Telco Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Baton Rouge Telco Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%--All Star Savers Account
0.50%--IRA Savings
0.50%--Roth IRA Savings
0.50%--CESA Savings
0.15%$50-Regular Share Account
0.15%$50-Special Savings Account
0.15%--Christmas Club Account

Baton Rouge Telco Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Money Market Account

Baton Rouge Telco Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$2,500-Elite Share Draft Account

Baton Rouge Telco Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.00%$500-5 Year CD - 1 Time Bump
1.60%$500-4 Year CD - 1 Time Bump
1.35%$500-3 Year CD - 1 Time Bump
1.00%$500-2 Year CD - 1 Time Bump
0.65%$500-1 Year CD
0.45%$500-6 Month CD
0.25%$500-3 Month CD

Baton Rouge Telco Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.00%$500-5 Year IRA - 1 Time Bump (Traditional,Roth,CESA)
1.60%$500-4 Year IRA - 1 Time Bump (Traditional,Roth,CESA)
1.35%$500-3 Year IRA - 1 Time Bump (Traditional,Roth,CESA)
1.00%$500-2 Year IRA - 1 Time Bump (Traditional,Roth,CESA)
0.65%$500-1 Year IRA (Traditional,Roth,CESA)
0.45%$500-6 Month IRA (Traditional,Roth,CESA)
0.25%$500-3 Month IRA (Traditional,Roth,CESA)
Locations


Baton Rouge Telco Federal Credit Union Locations
Branch Office13404 Airline HwyBaton Rouge, LA 708175917
Branch Office2226 Wooddale BlvdBaton Rouge, LA 708061444
Branch Office1115 W University AveHammond, LA 70401-1315
Branch Office32839 La Highway 16Denham Springs, LA 707060961