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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 4,414th largest credit union in the nation. It was established in 1975 and as of June of 2016, it had grown to 3 employees and 1,697 members at 1 location. P.H.I. Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees of PHI.
See current membership details


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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 - YTD0.16%
Return on Equity - YTD2.02%
Annual Interest Income$146.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$8.6MM$9.0MM
LoansQ2 2016vs Q2 2015$5.4MM$5.0MM
DepositsQ2 2016vs Q2 2015$7.9MM$8.3MM
Equity CapitalQ2 2016vs Q2 2015$694.00K$675.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$14.00K$16.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$4.00K$7.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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P.H.I. Federal Credit Union Savings Account Rates

0.05%$200-Share/Savings Accounts
0.05%--Christmas Club Account
0.05%--IRA Shares

P.H.I. Federal Credit Union CD Rates

0.30%$1k-2 Year CD
0.20%$1k-1 Year CD
0.10%$500-6 Month CD

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