Caddo Parish Teachers Federal Credit Union

What Caddo Parish Teachers Federal Credit Union does

Caddo Parish Teachers Federal Credit Union (CPTFCU) is a federally chartered, member-owned credit cooperative headquartered at 4625 Hearne Avenue in Shreveport, Louisiana, regulated by the National Credit Union Administration (NCUA). Under its federal charter, membership is legally restricted to current employees of the Caddo Parish School Board and their immediate family members, giving the institution a narrow but legally protected field of membership within the Shreveport-Bossier metropolitan area. The credit union markets itself with the positioning 'Small Enough To Know You, Large Enough to Serve You,' reflecting a relationship-banking orientation aimed at a defined community rather than a broad consumer market.

The product set consists of standard credit union offerings: deposit accounts (checking, savings, certificates), consumer loans (auto loans via the Money Tree voucher system, personal loans), and a branded credit card program operated through a third-party processor, EzCardInfo. Digital service delivery is built on a third-party online banking platform (dsot.onlinecu.com) and the Caddo Parish Teachers FCU Mobile application for iOS/Android, which collects user ID, device ID, and email for authentication. The public-facing website is maintained by LKCS, a credit-union-focused technology vendor. Member service is delivered through a single physical branch operating Monday–Friday 9AM–5PM, supported by phone banking and digital self-serve channels.

The revenue model is a traditional credit union construct: net interest income on the lending book funded by member deposits, supplemented by interchange and fee income from the third-party credit card program. Member acquisition runs through the Caddo Parish School Board as the sponsoring employer and intra-membership referrals, with marketing channels limited to the credit union's website and phone outreach. Notable marketing referral relationships include Enterprise Used Cars, NADA Guides, and AnnualCreditReport.com, which serve as utility links rather than integrated financial offerings.

Name

Caddo Parish Teachers Federal Credit Union

Legal name

Caddo Parish Teacher's Federal Credit Union

Website

https://cptfcu.org

Company type

Private

Operating status

Operating

Short description

Caddo Parish Teachers Federal Credit Union is a federally chartered, member-owned credit union headquartered in Shreveport, Louisiana, providing deposit accounts, loans, credit cards, and online/mobile banking exclusively to Caddo Parish School Board employees and their immediate families from a single branch.

Ownership category

akta.pro rank

Product category

Credit Union Banking

NAICS

Credit Unions (522130), Credit Unions (52213)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Credit union services
• Consumer banking
• Loan products
• Membership banking
• Online banking

Headquarters

HQ city

Shreveport

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Deposit Taking and Lending: Traditional credit union revenue model combining member deposits (checking, savings, CDs) with lending activities (auto loans, mortgages, personal loans) and related interest income.
2. Credit Card Services: Credit card program offered through third-party partnership (EzCardInfo), generating interchange fees and interest revenue on card balances.
3. Loan Products: Various loan products including auto loans (Money Tree loan voucher system), personal loans, and other credit facilities generating interest income.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels2 records

Core offering

Caddo Parish Teachers Federal Credit Union is a federally chartered, member-owned credit union providing deposit accounts (checking, savings, CDs), credit cards, auto loans, personal loans, and a Money Tree loan voucher service to Caddo Parish School Board employees and their immediate family members. Members access these services through a single Shreveport, Louisiana branch and via online and mobile banking channels.

Product overview

Caddo Parish Teacher's Federal Credit Union (CPTFCU) is a single credit union offering a unified set of financial services. The core digital banking experience is delivered through Online Banking and the Caddo Parish Teachers FCU Mobile App (Home Banking), which allow members to manage accounts, conduct transactions, and access services. The credit union also provides traditional financial products including credit cards (via external EzCardInfo portal), loan services through the Money Tree system, and membership for eligible Caddo Parish School Board employees and their families. All services are accessed through their primary website at cptfcu.org.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Banking (Home Banking) Web-based digital banking platform accessible at dsot.onlinecu.com that lets members manage accounts, conduct transactions, and access credit union services 24/7. Targeted at CPTFCU members.
• Caddo Parish Teachers FCU Mobile App
• Credit Card
• Money Tree Loan Services
• Membership Program
• Deposit Accounts (Checking, Savings, CDs)
• Auto Loans
• Personal Loans

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Enterprise Used CarsminorGTM or Marketing PartnerPromotional partnership providing Enterprise Used Cars promotional links to members seeking vehicle purchases. Serves as a marketing referral channel for members looking for auto financing options.
• NADA (National Automobile Dealers Association)minorGTM or Marketing PartnerNADA Guides promotional link provided for vehicle valuation and pricing information to support members making auto purchase decisions.
• EzCardInfocoreTechnology or IntegrationThird-party credit card program provider for the credit union's branded credit card services. Provides card management portal and processing infrastructure for credit card program.
• Third-Party Service ProviderscoreTechnology or IntegrationAnalytics, advertising, links, and other service providers that assist with site functionality, data collection, and targeted advertising delivery.
• AnnualCreditReport.comminorGTM or Marketing PartnerFree credit report service partner providing members access to complimentary credit reports as part of financial wellness offerings.

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Direct peers

• Baxter Credit Union (BCU): Employee-group credit union serving employees of partner companies and their families. Comparable in offering a closed-eligibility community-banking model with multi-channel access.
• Tinker Federal Credit Union: Oklahoma-based federal credit union serving a defined occupational group (Tinker AFB employees and families). Shares the model of a federally chartered, employer-group-tied credit union with physical branches and digital channels.
• SchoolsFirst Federal Credit Union: California-based federal credit union serving school employees and their families. Direct analog to Caddo Parish Teachers FCU in mission, occupational membership restriction, and full-service community banking model.
• Educators Credit Union: Wisconsin-based credit union serving educators, school staff, and their families. Operates with a comparable occupational membership model and community-banking value proposition.

Broad incumbents

• Digital Federal Credit Union (DCU): Large Massachusetts-based federal credit union offering a broad product set to a wide membership base. Comparable as a federal credit union, but operates at significantly larger scale with broader eligibility.
• Alliant Credit Union: Large Illinois-based digital credit union serving a broad national membership. Comparable as a federally chartered credit union offering online banking, deposits, and lending, but at materially larger scale and broader eligibility.
• Patelco Credit Union: California-based credit union serving a broad membership with deposits, lending, and digital banking. Comparable federally regulated depository institution with similar product set but materially larger scale.
• Connexus Credit Union: Wisconsin-based credit union offering community-style banking with broad eligibility and digital channels. Operates at larger scale than CPTFCU with similar full-service community credit union positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/caddoparishteachersfederalcreditunion

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caddo Parish Teachers Federal Credit Union