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East Baton Rouge Teachers Credit Union
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East Baton Rouge Teachers Credit Union Share
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Overview Share
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East Baton Rouge Teachers Credit Union is a federal credit union based in Baton Rouge, Louisiana. It has been opened since 1951, for 71 years.

With around $3,870,000 in assets, East Baton Rouge Teachers Credit Union is considered to be a small credit union.

About Share
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Address 4836 Plank Road
Baton Rouge, Louisiana 70805
Website http://www.ebrteachersfcu.org
Phone (225) 355-8896
Fax (225) 355-8897
CEO Evangeline D. Spurlock
President of the Board Vernell Scott
Services Offered
Score Card Share
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71 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
2,014 members
Membership type: Multiple common bond – primary educational
Below average number of members
806:1
Credit union member to staff ratio
806 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$3,867,069
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 2 in Louisiana
Average number of branches
1.40%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 2 in Louisiana
Average number of branches
East Baton Rouge Teachers Credit Union Branch Locations
Members Share
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2,014 members
Membership type: Multiple common bond – primary educational
Below average number of members

With 2,014 members, the East Baton Rouge Teachers Credit Union is considered to be a small credit union. It is smaller than 65% of credit unions.

Fees Share
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$63
Average fee per member
The average fee per member at the East Baton Rouge Teachers Credit Union is $63, which is high compared to most credit unions. This rate is higher than 62% of all credit unions.
Fees are higher than 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 East Baton Rouge Teachers Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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806:1
Credit union member to staff ratio
806 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
2 staff members
FTE (full-time equivalent)
33% of employees are part-time
2 full-time, 1 part-time

East Baton Rouge Teachers Credit Union has 2 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 67% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. East Baton Rouge Teachers Credit Union has around 806 members per staff, a high ratio compared to other credit unions.

Assets Share
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$3,867,069
Total assets
Below average
Net worth Share
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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.
16.2%
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 Share
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$2,971
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 96% of credit unions.

East Baton Rouge Teachers Credit Union holds a total of $2,120,000 in loans and leases, which is about $2,971 per member on average.

Savings interest rate Share
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1.40%
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. East Baton Rouge Teachers Credit Union pays 1.40%.

Loan rates Share
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17.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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11.00%
New car loan rate
Compared to 4.0% nationally
13.00%
Used car loan rate
Compared to 5.2% nationally

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