Cenla
Alexandria, LA · Charter 15602 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 3 branches
Q2 2026
$132.2MAssets
$41.0MLoans
$103.6MShares
$28.7MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 91% of credit unions under $1B in assets in LA (rank 5 of 57).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets in LA (rank 41 of 57).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.63%
Rank 5 of 57
Net Interest Margin
3.58%
Rank 41 of 57
Efficiency Ratio
61.04%
Rank 6 of 56
Equity / Assets
21.71%
Rank 17 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.63% | 0.18% | 0.61% | 1.03% | Beats 91% | 5 / 57 | |
| Return on Equity | 7.49% | 0.88% | 3.71% | 5.62% | Beats 81% | 11 / 57 | |
| Net Interest Margin | 3.58% | 3.51% | 3.94% | 4.60% | Beats 28% | 41 / 57 | |
| Efficiency Ratio | 61.04% | 76.49% | 84.29% | 92.65% | Beats 91% | 6 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.35% | 1.18% | 2.04% | Beats 86% | 9 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.71% | 11.86% | 15.46% | 23.44% | Beats 70% | 17 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.71% | 11.86% | 15.46% | 23.44% | Beats 70% | 17 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 39.57% | 55.77% | 71.07% | 79.18% | 11th pctl | 51 / 57 | |
| Loans / Assets | 31.02% | 44.60% | 59.45% | 67.17% | 11th pctl | 51 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |