credit union

705

Q: Is 705 a good credit union?

705 earns a Bankzia Trust Grade of C (75/100, "Average"), based on a financial-strength score of 75/100 (it has no CFPB complaints on record). Well-capitalized (7.5% capital ratio); Profitable (ROA 0.07%).

Q: Is 705 NCUA-insured?

Yes. 705 is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

Q: How big is 705?

705 holds $45 million in total assets, ranking 120th of 136 credit unions we track in Louisiana. It serves 3,744 members.

Q: Does 705 have CFPB complaints?

No CFPB complaints against 705 appear in our data over the analysis window, which is typical for a credit union of this size.

Lafayette, LA · Est. 1968

Trust Grade

Average

Score: 75/100

705 is a credit union based in Lafayette, Louisiana, established in 1968, with $45 million in total assets serving 3,744 members. By Trust Grade it ranks 120th of 136 credit unions we track in Louisiana. Its net worth ratio of 7.5% trails most similarly sized credit unions (3th percentile), versus a Louisiana median of 14.5%. It was profitable over the most recent period, with a 0.07% return on assets. No consumer complaints against 705 appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets

$44.7M

<$100M institution

Members

3,744

Shares & deposits

—

Net worth ratio

7.5%

Bottom 3% of <$100M peers · Louisiana median 14.5%

Return on assets

0.1%

Bottom 24% of <$100M peers · Louisiana median 0.49%

Rank in Louisiana

#120

of 136 credit unions

How 705 compares to Louisiana peers

Net worth ratio

Bottom 3% of <$100M peers

705

7.5%

Louisiana median

14.5%

Higher capital ratio = stronger financial cushion

Return on assets

Bottom 24% of <$100M peers

705

0.1%

Louisiana median

0.5%

Higher ROA = more profitable relative to asset base

How we graded 705

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength

75/100

Customer experience

n/a

Overall

C · 75

Well-capitalized (7.5% capital ratio)
Profitable (ROA 0.07%)
No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for 705 over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at 705 insured?

Yes. 705 is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

705: frequently asked questions

Is 705 a good credit union?

705 earns a Bankzia Trust Grade of C (75/100, "Average"), based on a financial-strength score of 75/100 (it has no CFPB complaints on record). Well-capitalized (7.5% capital ratio); Profitable (ROA 0.07%).

Is 705 NCUA-insured?

Yes. 705 is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is 705?

705 holds $45 million in total assets, ranking 120th of 136 credit unions we track in Louisiana. It serves 3,744 members.

Does 705 have CFPB complaints?

No CFPB complaints against 705 appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.