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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 112th largest credit union in the state of Louisiana. It is also the 4,393rd largest credit union in the nation. It was established in 1975 and as of September of 2016, it had grown to 3 employees and 1,693 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 - YTD0.17%
Return on Equity - YTD2.1%
Annual Interest Income$221.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$8.7MM$9.1MM
LoansQ3 2016vs Q3 2015$5.5MM$5.1MM
DepositsQ3 2016vs Q3 2015$8.0MM$8.4MM
Equity CapitalQ3 2016vs Q3 2015$699.00K$685.00K
Loan Loss AllowanceQ3 2016vs Q3 2015$16.00K$16.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$6.00K$7.00K
Real Estate OwnedQ3 2016vs Q3 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