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Access of Louisiana Credit Union

Overview
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Access of Louisiana Credit Union is a federal credit union based in Sulphur, Louisiana. It has been opened since 1955, for 65 years.

With around $32,030,000 in assets, Access of Louisiana Credit Union is considered to be an average size credit union. It has 4 branches and 1 ATM locations.

About
Address Po Box 2657
Sulphur, Louisiana 70664
Website http://www.access.coop
Phone (337) 533-1808
Fax (337) 533-8419
CEO Michelle M. Jinks
President of the Board Brian Burton
Services Offered
Map
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Score Card
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65 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
5,631 members
Membership type: Community credit union
Average number of members
469:1
Credit union member to staff ratio
469 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$32,027,115
Total assets
Average size
4 branches
Compared with an average of 4 nationally and 2 in Louisiana
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
Branches
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4 branches
Compared with an average of 4 nationally and 2 in Louisiana
Above average number of branches
Access of Louisiana Credit Union Branch Locations

Access of Louisiana Credit Union: City Hall
326 Pujo Street Rm 418
Lake Charles, Louisiana 70601
No ATM
Access of Louisiana Credit Union: Sulphur
4400 Maplewood Drive
Sulphur, Louisiana 70663
ATM Available
Access of Louisiana Credit Union: Lake Charles
3109 Common Street Suite 103
Lake Charles, Louisiana 70601
No ATM
Access of Louisiana Credit Union: Westlake
910 Sampson Street Suite B.
Westlake, Louisiana 70669
No ATM
Members
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5,631 members
Membership type: Community credit union
Average number of members

With 5,631 members, the Access of Louisiana Credit Union is considered to be a medium size credit union. It is larger than 59% of credit unions.

Fees
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$50
Average fee per member
The average fee per member at the Access of Louisiana Credit Union is $50, which is comparable to most credit unions. This rate is lower than 49% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Access of Louisiana Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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469:1
Credit union member to staff ratio
469 per each FTE employee
Compared to 411:1 nationally
Fewer staff
12 staff members
FTE (full-time equivalent)
0% of employees are part-time
12 full-time, 0 part-time

Access of Louisiana Credit Union has 12 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Access of Louisiana Credit Union has around 469 members per staff, a higher ratio compared to other credit unions.

Assets
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$32,027,115
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$14,568
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 78% of credit unions.

Access of Louisiana Credit Union holds a total of $22,540,000 in loans and leases, which is about $14,568 per member on average.

Savings interest rate
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Access of Louisiana Credit Union pays 0.15%.

Loan rates
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7.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.23%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.00%
New car loan rate
Compared to 4.0% nationally
3.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.40%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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