River Region
Lutcher, LA · Charter 13763 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)
NCUA · 1 branch
Q2 2026
$42.0MAssets
$9.1MLoans
$33.7MShares
$8.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 66% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 10 of 29).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 26 of 29).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.47%
Rank 13 of 29
Net Interest Margin
3.30%
Rank 26 of 29
Efficiency Ratio
90.57%
Rank 16 of 29
Equity / Assets
19.63%
Rank 10 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | -0.27% | 0.39% | 0.68% | Beats 55% | 13 / 29 | |
| Return on Equity | 2.40% | 0.64% | 2.28% | 5.24% | Beats 54% | 13 / 28 | |
| Net Interest Margin | 3.30% | 3.88% | 4.49% | 4.89% | Beats 10% | 26 / 29 | |
| Efficiency Ratio | 90.57% | 77.78% | 86.62% | 97.23% | Beats 48% | 16 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.38% | 0.22% | 1.19% | 2.21% | Beats 21% | 24 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.63% | 11.89% | 14.07% | 21.10% | Beats 66% | 10 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.63% | 11.89% | 14.07% | 21.10% | Beats 66% | 10 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 26.90% | 45.57% | 67.88% | 82.54% | 3rd pctl | 28 / 29 | |
| Loans / Assets | 21.60% | 34.60% | 52.32% | 69.33% | 3rd pctl | 28 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |