3rd District Highway
Lafayette, LA · Charter 14226 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 3 branches
Q2 2026
$11.1MAssets
$4.9MLoans
$8.8MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 73% of credit unions under $1B in assets in LA (rank 16 of 56).
- Widest gap: net interest margin trails 67% of credit unions under $1B in assets in LA (rank 38 of 57).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.43%
Rank 33 of 57
Net Interest Margin
3.67%
Rank 38 of 57
Efficiency Ratio
76.84%
Rank 16 of 56
Equity / Assets
19.27%
Rank 21 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 0.18% | 0.61% | 1.03% | Beats 42% | 33 / 57 | |
| Return on Equity | 2.24% | 0.88% | 3.71% | 5.62% | Beats 33% | 38 / 57 | |
| Net Interest Margin | 3.67% | 3.51% | 3.94% | 4.60% | Beats 33% | 38 / 57 | |
| Efficiency Ratio | 76.84% | 76.49% | 84.29% | 92.65% | Beats 73% | 16 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.35% | 1.18% | 2.04% | Beats 63% | 22 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.27% | 11.86% | 15.46% | 23.44% | Beats 63% | 21 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.27% | 11.86% | 15.46% | 23.44% | Beats 63% | 21 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 55.66% | 55.77% | 71.07% | 79.18% | 23rd pctl | 44 / 57 | |
| Loans / Assets | 44.13% | 44.60% | 59.45% | 67.17% | 23rd pctl | 44 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |