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303 Edgewood Dr
Pineville, LA 71360-5444

Heart Of Louisiana Credit Union is headquartered in Pineville and is the 28th largest credit union in the state of Louisiana. It is also the 1,576th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 40 employees and 16,994 members. Heart Of Louisiana Credit Union's savings rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to individuals who live, work, worship, or attend school in the following parishes: Rapides, Winn, Allen, Natchitoches, Evangeline, Concordia, Catahoula, LaSalle, Avoyelles, and Grant, as well as businesses and other legal entities located in this area. - See Details

Reviews (1)


After comming in and closing my checking account and handing in my debit cards years ago, this account was re-opend without my notification or authorization to allow a draft to come through and to create an nsf fee on top of it.

My wife received a call that we are about to be turned over to collections, buy which this is the first notification that we have even heard about this.

I am taken back by this kind of business practice.

It is my prayer that the credit union will do the righteous practice and close this out permanently.


Rev Tucker


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Heart Of Louisiana Credit Union has a relatively low asset base.

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 Heart Of Louisiana Credit Union had $1.34 million in non-current loans and owned real-estate with $13.25 million in equity and loan loss allowances on hand to cover it. This gives Heart Of Louisiana Credit Union a Texas Ratio of 10.10% 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 Heart Of Louisiana Credit Union experienced no significant changes from 9.15% as of March 31, 2013 to 10.10% as of March 31, 2014, resulting in a negative change of 10.32%. This indicates that the balance sheet and financial strength for Heart Of Louisiana Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Heart Of Louisiana Credit Union has increased its total deposits by $3.31 million, resulting in 4.16% 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 Heart Of Louisiana Credit Union has shown is excellent.



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. Heart Of Louisiana Credit Union has $95.24 million in assets with $13.25 million in equity, resulting in a capitalization level of 13.92%, which is excellent.

Institution Statistics

NCUA #10164
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$95.24 million
Loans$56.78 million
Deposits$82.92 million
Equity Capital$12.09 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$1.03 million
Real Estate Owned$307,000
Historic Data - March 2013
Assets$91.07 million
Equity Capital$11.13 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$1.03 million
Real Estate Owned$393,000
Profit Margin - Quarterly
Return on Assets0.81%
Return on Equity6.35%
Interest Income$980,000
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Heart Of Louisiana Credit Union Savings Account Rates

3.00%--Christmas Club Shares
0.55%--IRA Shares
0.40%$2,500-Payable on Death Shares
0.10%--Regular Shares
0.10%--Sub Shares

Heart Of Louisiana Credit Union Money Market Rates

0.25%$2,500-Money Market (Safe) Shares

Heart Of Louisiana Credit Union CD Rates

1.00%$1k-5 Year Money Market CD
0.70%$1k-4 Year Money Market CD
0.55%$1k-3 Year Money Market CD
0.40%$1k-2 Year Money Market CD
0.30%$1k-1 Year Money Market CD
0.25%$1k-6 Month Money Market CD
0.20%$1k-3 Month Money Market CD

Heart Of Louisiana Credit Union IRA Rates

1.15%$1k-5 Year IRA
0.70%$1k-3 Year IRA
0.54%$1k-2 Year IRA
0.40%$1k-1 Year IRA

Heart Of Louisiana Credit Union Locations
Branch Office303 Edgewood DrPineville, LA 71360-5444
Branch Office4407 Coliseum BlvdAlexandria, LA 71303
Branch Office3616 Commerce StAlexandria, LA 71302