P.H.I.
P.H.I. is a credit union based in Lafayette, Louisiana, established in 1975, with $5 million in total assets serving 832 members. By Trust Grade it ranks 132nd of 136 credit unions we track in Louisiana. Its net worth ratio of 6.9% trails most similarly sized credit unions (2th percentile), versus a Louisiana median of 14.5%. It posted a loss over the most recent period (-0.66% return on assets), a point to watch. No consumer complaints against P.H.I. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How P.H.I. compares to Louisiana peers
How we graded P.H.I.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Below the well-capitalized threshold (6.9%)
- Unprofitable over the period (ROA -0.66%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for P.H.I. over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at P.H.I. insured?
Yes. P.H.I. 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.
P.H.I.: frequently asked questions
Is P.H.I. a good credit union?
P.H.I. earns a Bankzia Trust Grade of D (64/100, "Fair"), based on a financial-strength score of 64/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (6.9%); Unprofitable over the period (ROA -0.66%).
Is P.H.I. NCUA-insured?
Yes. P.H.I. 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 P.H.I.?
P.H.I. holds $5 million in total assets, ranking 132nd of 136 credit unions we track in Louisiana. It serves 832 members.
Does P.H.I. have CFPB complaints?
No CFPB complaints against P.H.I. appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
