La Terre
Houma, LA · Charter 20002 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$25.4MAssets
$20.8MLoans
$23.8MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in LA (rank 7 of 57).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets in LA (rank 56 of 57).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.52%
Rank 31 of 57
Net Interest Margin
5.08%
Rank 7 of 57
Efficiency Ratio
105.28%
Rank 51 of 56
Equity / Assets
6.65%
Rank 56 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.18% | 0.61% | 1.03% | Beats 46% | 31 / 57 | |
| Return on Equity | 7.82% | 0.88% | 3.71% | 5.62% | Beats 84% | 9 / 57 | |
| Net Interest Margin | 5.08% | 3.51% | 3.94% | 4.60% | Beats 88% | 7 / 57 | |
| Efficiency Ratio | 105.28% | 76.49% | 84.29% | 92.65% | Beats 11% | 51 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.35% | 1.18% | 2.04% | Beats 39% | 36 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.65% | 11.86% | 15.46% | 23.44% | Beats 2% | 56 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.65% | 11.86% | 15.46% | 23.44% | Beats 2% | 56 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 87.52% | 55.77% | 71.07% | 79.18% | 81st pctl | 11 / 57 | |
| Loans / Assets | 81.98% | 44.60% | 59.45% | 67.17% | 95th pctl | 3 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |