Efcu Financial
Baton Rouge, LA · Charter 13 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.3BAssets
$1.2BLoans
$1.1BShares
$125.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of credit unions $1B-$10B in assets (rank 78 of 435).
- Widest gap: net interest margin trails 86% of credit unions $1B-$10B in assets (rank 376 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.91%
Rank 175 of 435
Net Interest Margin
2.73%
Rank 376 of 435
Efficiency Ratio
68.35%
Rank 167 of 435
Equity / Assets
9.72%
Rank 336 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 60% | 175 / 435 | | |
| Return on Equity | 9.33% | 5.12% | 7.41% | 9.70% | Beats 72% | 121 / 435 | | |
| Net Interest Margin | 2.73% | 3.01% | 3.39% | 3.75% | Beats 14% | 376 / 435 | | |
| Efficiency Ratio | 68.35% | 65.25% | 71.39% | 77.86% | Beats 62% | 167 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.45% | 0.69% | 1.05% | Beats 82% | 78 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.72% | 9.81% | 10.84% | 12.63% | Beats 23% | 336 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.72% | 9.81% | 10.84% | 12.63% | Beats 23% | 336 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.27% | 78.33% | 88.38% | 95.61% | 89th pctl | 47 / 435 | | |
| Loans / Assets | 89.24% | 67.69% | 74.58% | 80.80% | 98th pctl | 8 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |