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Overview / Commentary
714 E Kaliste Saloom Rd Ste A3
Lafayette, LA 70508-2529

P.H.I. Federal Credit Union is headquartered in Lafayette and is the 113th largest credit union in the state of Louisiana. It is also the 4,381st largest credit union in the nation. It was established in 1975 and as of December of 2016, it had grown to 3 employees and 1,668 members at 1 location. P.H.I. Federal Credit Union has a C+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. P.H.I. Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #21879
Year Chartered1975
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD1.43%
Annual Interest Income$294.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$8.6MM$8.7MM
LoansQ4 2016vs Q4 2015$5.2MM$5.2MM
DepositsQ4 2016vs Q4 2015$7.8MM$8.0MM
Equity CapitalQ4 2016vs Q4 2015$698.00K$687.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$13.00K$14.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$0$0
Real Estate OwnedQ4 2016vs Q4 2015$0$0

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P.H.I. Federal Credit Union Locations
Branch Office714 E Kaliste Saloom Rd Ste A3Lafayette, LA 70508-2529