ESSENTIAL
State-Chartered • Baton Rouge, Louisiana • Est. 1972
Quick Facts
- Charter Number
- #68736
- Type
- State-Chartered
- Established
- 1972
- Headquarters
- Baton Rouge, Louisiana 70896
- Address
- PO Box 66278
- Branches
- 6
- ATMs
- 7
- Members
- 30,534
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
30,534 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ESSENTIAL |
|---|---|
| Total Assets | $419.1M |
| Members | 30,534 |
| Loans Outstanding | $333.2M |
| Shares & Deposits | $364.2M |
| Net Worth | $38.3M |
| Net Worth Ratio | 9.15% |
| Loan-to-Share Ratio | 91.5% |
| Delinquency Rate | 1.68% |
| Net Income | +$1,948,800 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 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.
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View Louisiana RankingsFrequently Asked Questions
Yes. ESSENTIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ESSENTIAL has 30,534 members and a potential membership field of 817,901 people.
ESSENTIAL's net worth ratio is 9.15% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.2%, ESSENTIAL meets this threshold.
ESSENTIAL operates 6 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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ESSENTIAL. All financial data is for informational purposes only.