P.H.I.
Lafayette, LA · Charter 21879 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$4.9MAssets
$3.1MLoans
$4.5MShares
$341KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in LA (rank 7 of 57).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets in LA (rank 55 of 57).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.57%
Rank 53 of 57
Net Interest Margin
4.79%
Rank 9 of 57
Efficiency Ratio
110.48%
Rank 53 of 56
Equity / Assets
6.97%
Rank 55 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.57% | 0.18% | 0.61% | 1.03% | Beats 7% | 53 / 57 | |
| Return on Equity | -8.21% | 0.88% | 3.71% | 5.62% | Beats 4% | 55 / 57 | |
| Net Interest Margin | 4.79% | 3.51% | 3.94% | 4.60% | Beats 84% | 9 / 57 | |
| Efficiency Ratio | 110.48% | 76.49% | 84.29% | 92.65% | Beats 7% | 53 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.35% | 1.18% | 2.04% | Beats 100% | 7 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.97% | 11.86% | 15.46% | 23.44% | Beats 4% | 55 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.97% | 11.86% | 15.46% | 23.44% | Beats 4% | 55 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 68.63% | 55.77% | 71.07% | 79.18% | 47th pctl | 30 / 57 | |
| Loans / Assets | 63.39% | 44.60% | 59.45% | 67.17% | 63rd pctl | 21 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |