Total Assets
$434.2M
Total Deposits
$362.4M
Branches
6
Established
1972
ESSENTIAL is a credit union headquartered in Baton Rouge, Louisiana, established in 1972. It holds $434.2M in total assets across 6 branch locations. In our editorial opinion, based on public FDIC/NCUA data, ESSENTIAL earns a TFS Financial Health Grade of D (54.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
54.5 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS September 14, 2026. Data sourced from NCUA Call Reports as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Towne Center-Operations CenterHQ | 2370 Towne Center BLVD | Baton Rouge | LA | Full Service |
| Siegen FRC | 6725 Siegen Ln | Baton Rouge | LA | Full Service |
| Gonzales FRC | 1051 N Airline Hwy | Gonzales | LA | Full Service |
| Plaquemine FRC | 21925 Highway 1 | Plaquemine | LA | Full Service |
| Walker FRC | 28645 Walker Rd S | Walker | LA | Full Service |
| Houston Texas | 12012 Space Center Blvd | Houston | TX | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
54.5
Net worth ratio
9.06%
Return on assets
0.46%
60+ day delinquency
1.45%
Suggested direct comparisons
Baton Rouge, LA
$983.0M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.