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Overview / Commentary
LAKE CHARLES, LA 70605-4119

CSE Credit Union is headquartered in LAKE CHARLES and is the 8th largest credit union in the state of Louisiana. It is also the 719st largest credit union in the nation. It was established in 1943 and as of March of 2014, it had grown to 81 employees and 34,279 members. CSE Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of A-1 Wrecker Services LLC or several other companies listed in their Selected Employee Group. - 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 CSE Credit Union had $1.47 million in non-current loans and owned real-estate with $36.21 million in equity and loan loss allowances on hand to cover it. This gives CSE Credit Union a Texas Ratio of 4.07% 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 CSE Credit Union decreased slightly from 5.22% as of March 31, 2013 to 4.07% as of March 31, 2014, resulting in a positive change of 22.00%.This indicates that the balance sheet and financial strength for CSE Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, CSE Credit Union has increased its total deposits by $490,000, resulting in 0.2% 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 CSE Credit Union has shown is above 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. CSE Credit Union has $286.75 million in assets with $36.21 million in equity, resulting in a capitalization level of 12.63%, which is excellent.

Institution Statistics

NCUA #5086
Year Chartered1943
Primary Regulator
Assets and Liabilities
Assets$286.75 million
Loans$166.02 million
Deposits$248.27 million
Equity Capital$35.26 million
Loan Loss Allowance$949,000
Unbacked Noncurrent Loans$1.47 million
Real Estate Owned$8,000
Historic Data - March 2013
Assets$284.48 million
Equity Capital$34.23 million
Loan Loss Allowance$996,000
Unbacked Noncurrent Loans$1.47 million
Real Estate Owned$300,000
Profit Margin - Quarterly
Net Interest Margin1.13%
Return on Assets0.56%
Return on Equity4.54%
Interest Income$2.22 million

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CSE Credit Union Savings Account Rates

0.30%$25-IRA Savings
0.10%--Share Savings
0.10%--Payable-On-Death Savings
0.10%$25-Christmas Club
0.10%--Business Share Savings

CSE Credit Union Money Market Rates

0.30%$100k-Money Market

CSE Credit Union Checking Account Rates

3.25%-$10kRewards Checking - Qualifying
0.05%--Rewards Checking - Non Qualifying

CSE Credit Union CD Rates

1.11%$500-5 Year Youth CD
1.11%$1k-5 Year CD
0.85%$500-3 Year Youth CD
0.85%$1k-3 Year CD
0.55%$500-2 Year Youth CD
0.55%$1k-2 Year CD
0.40%$500-18 Month Youth CD
0.40%$1k-18 Month CD
0.30%$500-1 Year Youth CD
0.30%$1k-1 Year CD
0.15%$500-6 Month Youth CD
0.15%$1k-6 Month CD

CSE Credit Union IRA Rates

1.16%$250-5 Year IRA
0.90%$250-3 Year IRA
0.60%$250-2 Year IRA
0.45%$250-18 Month IRA
0.35%$250-1 Year IRA
0.20%$250-6 Month IRA

CSE Credit Union Locations
Branch Office2154 SWISCO RDSULPHUR, LA 70665-8218
Branch Office4321 NELSON RDLAKE CHARLES, LA 70605-4119