At a glance
From its website, read 2 Nov 2026Ouachita Valley Federal Credit Union is a credit union based in West Monroe, Louisiana. Its website describes auto loans, commercial real estate loans, equipment loans and 4 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (318) 387-4592 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.ouachitavalleyfcu.org |
| Office (official list) | 1420 Natchitoches St, West Monroe, LA 71292 |
What their website says about applying
Call Us Today!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Get rates as low as 5.24% on your new or used auto loan! | source |
| Home mortgages | Term: see their wording | Home equity lines of credit have a 5 year draw period and a 10 year repayment period. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 May 2018 |
| RSSD ID | 750985 |
| Address | 1420 Natchitoches St, West Monroe, LA 71292 Directions (Google Maps) |
| Website | www.ouachitavalleyfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or loan amount limits are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Finance your new or used auto without the hassle! | source |
| Commercial real estate loans | — | Commercial Real estate | source |
| Equipment loans | — | Equipment | source |
| Home mortgages | — | Let us help you with the process of purchasing a new home! | source |
| Personal / consumer loans | — | Ouachita Valley offers unsecured signature loans for whatever your need may be. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA Loans for Small Business and Start-Ups: | source |
| Small-business loans | — | Types of Business Loans: | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. APPLY FOR A LOAN
source
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.6 million in 4 awards from the U.S. Treasury's CDFI Fund, 2018–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | CDFI Program, Financial Assistance | $766,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $1,250,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as OUACHITA VALLEY (charter 10181). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $464.1 million (as of 30 Jun 2026) |
|---|---|
| Members | 36,819 (as of 30 Jun 2026) |
| Offices | 7 (as of 30 Jun 2026) |
Offices by state and county (7)
Louisiana (7 offices)
- Ouachita Parish (6): 1420 Natchitoches St, West Monroe 71292 (main office); 1705 Martin Luther King Jr Dr, Monroe 71202; 2400 Louisville Ave, Monroe 71201; 3170 Sterlington Rd, Monroe 71203; 135 Well Rd, West Monroe 71291; 201 Riggs St, West Monroe 71291
- Union Parish (1): 945 Sterlington Hwy, Farmerville 71241
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Ouachita Valley Federal Credit Union (NCUA charter 10181, filed as “OUACHITA VALLEY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $302.1 million, 19,970 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.3% from $276.5 million on 30 Jun 2025 |
| Members | 36,819 (as of 30 Jun 2026); 36,078 (as of 30 Jun 2025) |
| Loans per member | $8,206 (total loans divided by members, 30 Jun 2026) |
| Total assets | $464.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $35.5 million | 11.7% |
| Used vehicle loans | $153.5 million | 50.8% |
| First-lien home mortgages (1-4 family) | $25.3 million | 8.4% |
| Other real estate loans (junior liens, other) | $5.3 million | 1.7% |
| Commercial (business) loans | $34 million | 11.3% |
| Credit cards | $6.1 million | 2.0% |
| Other unsecured loans | $14.9 million | 4.9% |
| Leases and other secured loans | $27.7 million | 9.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Ouachita Valley Federal Credit Union reported 65 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.8M (median loan about $55,000). 19 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 19 | 29% |
| Refinance (incl. 9 cash-out) | 15 | 23% |
| Home improvement | 19 | 29% |
| Other purpose | 12 | 18% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 65 | 100% |
Included above: 8 home-equity or other open-end lines of credit; 14 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 6 counties with at least one; 100% of its 2025 loans were for properties in Louisiana:
- Ouachita Parish, LA (35)
Filed under LEI 254900MIHY4N3F840P17 as “Ouachita Valley FCU”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 2 → 2 | Rank among the 19 certified CDFIs in Louisiana with SBA approvals in either period: 8 → 8. |
| Total assets (Call Report, 30 Jun 2026) | $464.1 million | Larger than 85% of the 20 other certified credit unions in Louisiana (median $136.3 million). |
| Loans as a share of assets | 65% | Median of the same 20 credit unions: 76%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $276.5 million → $302.1 million (+9%) | Median change of 20 other certified credit unions in Louisiana: +2%. Rank by loans held among these 21: 6 → 6. |
| Home loans originated in 2025 (HMDA) | 65 | More than 30% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Louisiana with SBA approvals FY2023–2026 | 18 | rank 8 → 8 of 19 |
| Call Report total assets | other certified credit unions in Louisiana | 20 | larger than 85% |
| Loans held then vs now | certified credit unions in Louisiana reporting both dates | 20 | rank 6 → 6 of 21 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 30% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 7 SBA-backed approvals for Ouachita Valley Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 7 7(a) loans as the lender: $2M in total (gross amount approved), median $151,900
By fiscal year: FY2020 1 · FY2021 0 · FY2022 2 · FY2023 1 · FY2024 1 · FY2025 2 · FY2026 0.
By program
- 7(a) standard (5, 71%)
- 7(a) SBA Express (2, 29%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (3)
How this lender was matched in the SBA files: NCUA charter 10181, found through the RSSD ID in NCUA records (SBA lists “Ouachita Valley Federal Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Ouachita Valley Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in West Monroe and Louisiana
- Centric Federal Credit UnionCredit union · West Monroe, LAAuto / vehicle loans, Commercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
Work at Ouachita Valley Federal Credit Union? Link to this page
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