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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 4,407th largest credit union in the nation. It was established in 1975 and as of September of 2017, it had grown to 3 employees and 1,630 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 - YTD-0.22%
Return on Equity - YTD-2.53%
Annual Interest Income$213.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$7.8MM$8.7MM
LoansQ3 2017vs Q3 2016$5.3MM$5.5MM
DepositsQ3 2017vs Q3 2016$7.1MM$8.0MM
Equity CapitalQ3 2017vs Q3 2016$685.00K$699.00K
Loan Loss AllowanceQ3 2017vs Q3 2016$21.00K$16.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$10.00K$6.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0

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