T E A
Houma, LA · Charter 18462 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$2.5MAssets
$1.5MLoans
$2.3MShares
$199KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets in LA (rank 5 of 57).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets in LA (rank 53 of 57).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.33%
Rank 52 of 57
Net Interest Margin
5.77%
Rank 5 of 57
Efficiency Ratio
105.13%
Rank 50 of 56
Equity / Assets
8.09%
Rank 53 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.33% | 0.18% | 0.61% | 1.03% | Beats 9% | 52 / 57 | |
| Return on Equity | -4.02% | 0.88% | 3.71% | 5.62% | Beats 7% | 53 / 57 | |
| Net Interest Margin | 5.77% | 3.51% | 3.94% | 4.60% | Beats 91% | 5 / 57 | |
| Efficiency Ratio | 105.13% | 76.49% | 84.29% | 92.65% | Beats 12% | 50 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.10% | 0.35% | 1.18% | 2.04% | Beats 12% | 51 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.09% | 11.86% | 15.46% | 23.44% | Beats 7% | 53 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.09% | 11.86% | 15.46% | 23.44% | Beats 7% | 53 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 68.59% | 55.77% | 71.07% | 79.18% | 46th pctl | 31 / 57 | |
| Loans / Assets | 62.82% | 44.60% | 59.45% | 67.17% | 60th pctl | 23 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |