Section 705 Federal Credit Union
Lafayette, LA · Charter 18749 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$43.0MAssets
$30.2MLoans
$39.1MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 42% of credit unions under $1B in assets in LA (rank 33 of 57).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets in LA (rank 54 of 57).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.23%
Rank 41 of 57
Net Interest Margin
3.60%
Rank 40 of 57
Efficiency Ratio
92.03%
Rank 42 of 56
Equity / Assets
7.91%
Rank 54 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.18% | 0.61% | 1.03% | Beats 28% | 41 / 57 | | |
| Return on Equity | 2.88% | 0.88% | 3.71% | 5.62% | Beats 42% | 33 / 57 | | |
| Net Interest Margin | 3.60% | 3.51% | 3.94% | 4.60% | Beats 30% | 40 / 57 | | |
| Efficiency Ratio | 92.03% | 76.49% | 84.29% | 92.65% | Beats 27% | 42 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.35% | 1.18% | 2.04% | Beats 28% | 42 / 57 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.91% | 11.86% | 15.46% | 23.44% | Beats 5% | 54 / 57 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.91% | 11.86% | 15.46% | 23.44% | Beats 5% | 54 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.21% | 55.77% | 71.07% | 79.18% | 70th pctl | 17 / 57 | | |
| Loans / Assets | 70.16% | 44.60% | 59.45% | 67.17% | 84th pctl | 9 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |