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Overview / Commentary
888-769-8841
6230 Perkins Rd
Baton Rouge, LA 70808

Campus Federal is headquartered in Baton Rouge and is the 3rd largest credit union in the state of Louisiana. It is also the 428th largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 161 employees and 40,914 members. Campus Federal has a A health rating.

Field of Membership Restrictions

Campus Federal welcomes the opportunity to serve anyone who is eligible through affiliation with LSU, Select Employee Groups (SEGs), family members, or lives, works or worships in the city of Baton Rouge, Orleans Parish or the MSA of Shreveport, including Caddo, Bossier and Webster Parishes. - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 Campus Federal had $1.96 million in non-current loans and owned real-estate with $51.24 million in equity and loan loss allowances on hand to cover it. This gives Campus Federal a Texas Ratio of 3.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Campus Federal experienced no significant changes from 2.92% as of March 31, 2013 to 3.82% as of March 31, 2014, resulting in a negative change of 30.77%. This indicates that the balance sheet and financial strength for Campus Federal has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Campus Federal has increased its total deposits by $14.38 million, resulting in 3.14% 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 Campus Federal has shown is excellent.

Capitalization

GRADE:
B

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. Campus Federal has $523.57 million in assets with $51.24 million in equity, resulting in a capitalization level of 9.79%, which is above average.

Institution Statistics

Overall
NCUA #79
Year Chartered1934
Employees161
Primary Regulator
Assets and Liabilities
Assets$523.57 million
Loans$317.62 million
Deposits$472.89 million
Equity Capital$48.99 million
Loan Loss Allowance$2.25 million
Unbacked Noncurrent Loans$1.91 million
Real Estate Owned$51,000
Historic Data - March 2013
Assets$508.50 million
Equity Capital$47.94 million
Loan Loss Allowance$1.87 million
Unbacked Noncurrent Loans$1.91 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.95%
Return on Assets0.56%
Return on Equity6.03%
Interest Income$4.00 million
Rates
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Campus Federal Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Flex Savings
0.15%$200-Share Savings
0.15%$200-SpecialShare Savings
0.15%--AgeExempt Account
0.15%--IRA Share
0.15%$500-Health Savings Account
0.15%--Roth IRA Share
0.10%$200-Club Account

Campus Federal Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.50%-$10kLagniappe Checking - Qualifying
0.05%--Lagniappe Checking - Non Qualifying

Campus Federal CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$5k-60 Month CD
1.15%$10k-60 Month CD
1.00%$1k-48 Month CD
0.90%$1k-36 Month CD
0.90%$100k-Jumbo 36 Month CD
0.80%$1k-24 Month CD
0.80%$100k-Jumbo 24 Month CD
0.75%$1k-18 Month CD
0.75%$100k-Jumbo 18 Month CD
0.70%$1k-12 Month CD
0.70%$100k-Jumbo 12 Month CD
0.40%$1k-182 Day CD
0.40%$100k-Jumbo 182 Day CD

Campus Federal IRA Rates

DetailsAPYMINMAXPRODUCT
1.15%$10k-60 Month IRA
1.15%$5k-60 Month IRA
1.15%$10k-60 Month Roth IRA
1.00%$1k-48 Month IRA
0.90%$1k-36 Month IRA
0.90%$100k-Jumbo 36 Month IRA
0.80%$1k-24 Month IRA
0.80%$100k-Jumbo 24 Month IRA
0.75%$1k-13 Month IRA
0.75%$1k-18 Month IRA
0.75%$100k-Jumbo 18 Month IRA
0.70%$1k-12 Month IRA
0.70%$100k-Jumbo 12 Month IRA
Locations


Campus Federal Locations
Branch Office1555 E 70th StShreveport, LA 71105-5040
Branch OfficeUnion LSU CampusBaton Rouge, LA 70803-0001
Branch Office5000 Hennessy BlvdBaton Rouge, LA 70808
Branch Office1501 Kings Hwy Ground FloorShreveport, LA 71103-4228
Branch Office433 Bolivar St Rm 102New Orleans, LA 70112-7021
Branch OfficeNicholson Ext LSU CampusBaton Rouge, LA 70803
Branch Office6230 Perkins RdBaton Rouge, LA 70808
Branch Office5711 S Sherwood Forest BlvdBaton Rouge, LA 70816