James Ward, Jr.
Jennings, LA · Charter 14537 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$1.9MAssets
$1.1MLoans
$1.2MShares
$648KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets in LA (rank 3 of 57).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets in LA (rank 54 of 57).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.16%
Rank 11 of 57
Net Interest Margin
4.74%
Rank 11 of 57
Efficiency Ratio
94.00%
Rank 47 of 56
Equity / Assets
34.12%
Rank 3 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.18% | 0.61% | 1.03% | Beats 81% | 11 / 57 | | |
| Return on Equity | 3.40% | 0.88% | 3.71% | 5.62% | Beats 46% | 31 / 57 | | |
| Net Interest Margin | 4.74% | 3.51% | 3.94% | 4.60% | Beats 81% | 11 / 57 | | |
| Efficiency Ratio | 94.00% | 76.49% | 84.29% | 92.65% | Beats 18% | 47 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.31% | 0.35% | 1.18% | 2.04% | Beats 7% | 54 / 57 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 34.12% | 11.86% | 15.46% | 23.44% | Beats 95% | 3 / 57 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 34.12% | 11.86% | 15.46% | 23.44% | Beats 95% | 3 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.68% | 55.77% | 71.07% | 79.18% | 86th pctl | 8 / 57 | | |
| Loans / Assets | 59.45% | 44.60% | 59.45% | 67.17% | 49th pctl | 29 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |