A L E C
Baton Rouge, LA · Charter 19131 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=23)
NCUA · 1 branch
Q2 2025
$5.9MAssets
$1.0MLoans
$4.1MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 1 of 23).
- Widest gap: return on assets trails 96% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 22 of 23).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-2.49%
Rank 22 of 23
Net Interest Margin
4.80%
Rank 5 of 23
Efficiency Ratio
152.48%
Rank 22 of 23
Equity / Assets
30.85%
Rank 1 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.49% | -0.16% | 0.49% | 1.46% | Beats 4% | 22 / 23 | | |
| Return on Equity | -8.06% | -1.42% | 3.57% | 8.90% | Beats 9% | 21 / 23 | | |
| Net Interest Margin | 4.80% | 3.65% | 4.13% | 4.73% | Beats 78% | 5 / 23 | | |
| Efficiency Ratio | 152.48% | 68.69% | 80.35% | 92.75% | Beats 9% | 22 / 23 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.43% | 0.69% | 2.75% | Beats 100% | 1 / 23 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.85% | 11.14% | 14.79% | 18.64% | Beats 96% | 1 / 23 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.85% | 11.14% | 14.79% | 18.64% | Beats 96% | 1 / 23 | | |
| Liquidity & Funding |
| Loans / Deposits | 24.75% | 56.32% | 74.45% | 85.98% | 0th pctl | 23 / 23 | | |
| Loans / Assets | 17.10% | 48.51% | 64.77% | 70.95% | 0th pctl | 23 / 23 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |