ESSENTIAL
State-Chartered • Baton Rouge, Louisiana • Est. 1972
Quick Facts
- Charter Number
- #68736
- Type
- State-Chartered
- Established
- 1972
- Headquarters
- Baton Rouge, Louisiana 70806
- Address
- 2370 Towne Center BLVD
- Branches
- 7
- ATMs
- 7
- Members
- 31,118
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
31,118 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ESSENTIAL |
|---|---|
| Total Assets | $429.8M |
| Members | 31,118 |
| Loans Outstanding | $343.6M |
| Shares & Deposits | $370.2M |
| Net Worth | $38.9M |
| Net Worth Ratio | 9.04% |
| Loan-to-Share Ratio | 92.8% |
| Delinquency Rate | 1.12% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
7 locations · 7 ATMs
Plaquemine FRC
21925 Highway 1
Plaquemine, LA 70764-5132
Siegen FRC
6725 Siegen Ln
Baton Rouge, LA 70809
Gonzales FRC
1051 N Airline Hwy
Gonzales, LA 70737
Walker FRC
28645 Walker Rd S
Walker, LA 70785
Towne Center-Operations Center
Main Office2370 Towne Center BLVD
Baton Rouge, LA 70806
Who Can Join ESSENTIAL?
Membership Type: Community
Membership eligibility for ESSENTIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ESSENTIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Louisiana
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Louisiana RankingsFrequently Asked Questions
ESSENTIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ESSENTIAL has 31,118 members and a potential membership field of 815,812 people.
ESSENTIAL's reported net worth ratio is 9.04% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
ESSENTIAL operates 7 branch locations and has access to 7 ATMs. The main office is located at 2370 Towne Center BLVD, Baton Rouge, LA 70806.
ESSENTIAL was established in 1972. It is a state-chartered credit union chartered under charter number 68736. The institution has been serving members for 54 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ESSENTIAL. All financial data is for informational purposes only.