G. C. A.
Lake Charles, LA · Charter 20529 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$4.0MAssets
$870KLoans
$2.8MShares
$1.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets in LA (rank 7 of 57).
- Widest gap: efficiency ratio trails 95% of credit unions under $1B in assets in LA (rank 54 of 56).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-1.00%
Rank 54 of 57
Net Interest Margin
3.69%
Rank 37 of 57
Efficiency Ratio
125.64%
Rank 54 of 56
Equity / Assets
30.05%
Rank 7 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.00% | 0.18% | 0.61% | 1.03% | Beats 5% | 54 / 57 | |
| Return on Equity | -3.32% | 0.88% | 3.71% | 5.62% | Beats 9% | 52 / 57 | |
| Net Interest Margin | 3.69% | 3.51% | 3.94% | 4.60% | Beats 35% | 37 / 57 | |
| Efficiency Ratio | 125.64% | 76.49% | 84.29% | 92.65% | Beats 5% | 54 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.76% | 0.35% | 1.18% | 2.04% | Beats 16% | 49 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.05% | 11.86% | 15.46% | 23.44% | Beats 88% | 7 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.05% | 11.86% | 15.46% | 23.44% | Beats 88% | 7 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 31.02% | 55.77% | 71.07% | 79.18% | 5th pctl | 54 / 57 | |
| Loans / Assets | 21.68% | 44.60% | 59.45% | 67.17% | 0th pctl | 57 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |