Montell
Sulphur, LA · Charter 20228 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$4.5MAssets
$4.0MLoans
$3.4MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 77% of credit unions under $1B in assets in LA (rank 13 of 57).
- Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets in LA (rank 44 of 57).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.93%
Rank 16 of 57
Net Interest Margin
4.43%
Rank 18 of 57
Efficiency Ratio
79.21%
Rank 23 of 56
Equity / Assets
24.40%
Rank 13 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.18% | 0.61% | 1.03% | Beats 72% | 16 / 57 | |
| Return on Equity | 3.81% | 0.88% | 3.71% | 5.62% | Beats 51% | 28 / 57 | |
| Net Interest Margin | 4.43% | 3.51% | 3.94% | 4.60% | Beats 68% | 18 / 57 | |
| Efficiency Ratio | 79.21% | 76.49% | 84.29% | 92.65% | Beats 61% | 23 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.04% | 0.35% | 1.18% | 2.04% | Beats 25% | 44 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 24.40% | 11.86% | 15.46% | 23.44% | Beats 77% | 13 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 24.40% | 11.86% | 15.46% | 23.44% | Beats 77% | 13 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 117.05% | 55.77% | 71.07% | 79.18% | 98th pctl | 1 / 57 | |
| Loans / Assets | 87.89% | 44.60% | 59.45% | 67.17% | 98th pctl | 1 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |