credit union

G. C. A.

Lake Charles, LA · Est. 1971
A
Trust Grade
Excellent
Score: 93/100

G. C. A. is a credit union based in Lake Charles, Louisiana, established in 1971, with $4 million in total assets serving 778 members. By Trust Grade it ranks 66th of 136 credit unions we track in Louisiana. Its net worth ratio of 30.3% is stronger than 94% of similarly sized credit unions, versus a Louisiana median of 14.5%. It was profitable over the most recent period, with a 0.40% return on assets. No consumer complaints against G. C. A. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$4.1M
<$100M institution
Members
778
Shares & deposits
—
Net worth ratio
30.3%
Top 6% of <$100M peers · Louisiana median 14.5%
Return on assets
0.4%
Bottom 40% of <$100M peers · Louisiana median 0.49%
Rank in Louisiana
#66
of 136 credit unions

How G. C. A. compares to Louisiana peers

Net worth ratio
Top 6% of <$100M peers
G. C.
30.3%
Louisiana median
14.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 40% of <$100M peers
G. C.
0.4%
Louisiana median
0.5%
Higher ROA = more profitable relative to asset base

How we graded G. C. A.

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

Financial strength
93/100
Customer experience
n/a
Overall
A · 93
  • Strongly capitalized (30.3% capital ratio)
  • Profitable (ROA 0.40%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

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

Are deposits at G. C. A. insured?

Yes. G. C. A. 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.

G. C. A.: frequently asked questions

Is G. C. A. a good credit union?

G. C. A. earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (30.3% capital ratio); Profitable (ROA 0.40%).

Is G. C. A. NCUA-insured?

Yes. G. C. A. 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 G. C. A.?

G. C. A. holds $4 million in total assets, ranking 66th of 136 credit unions we track in Louisiana. It serves 778 members.

Does G. C. A. have CFPB complaints?

No CFPB complaints against G. C. A. 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.

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