Access of Louisiana
Lake Charles, LA · Charter 10353 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
$44.5MAssets
$25.6MLoans
$39.9MShares
$4.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 32% of credit unions under $1B in assets in LA (rank 40 of 57).
- Widest gap: net interest margin trails 93% of credit unions under $1B in assets in LA (rank 53 of 57).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.15%
Rank 44 of 57
Net Interest Margin
2.76%
Rank 53 of 57
Efficiency Ratio
93.27%
Rank 46 of 56
Equity / Assets
9.79%
Rank 50 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.18% | 0.61% | 1.03% | Beats 23% | 44 / 57 | |
| Return on Equity | 1.56% | 0.88% | 3.71% | 5.62% | Beats 28% | 41 / 57 | |
| Net Interest Margin | 2.76% | 3.51% | 3.94% | 4.60% | Beats 7% | 53 / 57 | |
| Efficiency Ratio | 93.27% | 76.49% | 84.29% | 92.65% | Beats 20% | 46 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.88% | 0.35% | 1.18% | 2.04% | Beats 32% | 40 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.79% | 11.86% | 15.46% | 23.44% | Beats 12% | 50 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.79% | 11.86% | 15.46% | 23.44% | Beats 12% | 50 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 64.20% | 55.77% | 71.07% | 79.18% | 39th pctl | 35 / 57 | |
| Loans / Assets | 57.64% | 44.60% | 59.45% | 67.17% | 47th pctl | 30 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |