West Monroe, LA · Charter 22527
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in LA (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
15
Profitability
4
Liquidity
94
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
West Monroe, LA · Charter 22527
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.29% | -0.51% | -9.92% | -7.35% | -7.20% | -392 bps | |
| Return on Equity | -30.80% | -4.90% | -164.73% | -128.76% | -164.93% | -13,413 bps | |
| Net Interest Margin | 2.99% | 4.14% | 3.47% | 3.26% | 2.99% | 0 bps | |
| Efficiency Ratio | 194.34% | 109.26% | 371% | 310% | 325% | +13,055 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.73% | -8.29% | -8.15% | -8.95% | -7.76% | -848 bps | |
| Loan Growth (YoY) | -5.17% | -3.92% | -3.61% | -1.05% | 0.36% | +553 bps | |
| Share Growth (YoY) | 4.62% | -6.48% | -2.32% | -2.54% | -2.52% | -714 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 0.91% | 1.55% | 3.98% | 3.79% | +194 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.47% | 0.47% | 0.48% | 0.49% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.67% | 10.51% | 6.02% | 5.71% | 4.37% | -630 bps | |
| Net Worth / Assets | 10.67% | 10.51% | 6.02% | 5.71% | 4.37% | -630 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.91% | 75.22% | 74.32% | 74.29% | 74.03% | +212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Monroe, LA · Charter 22527 · Peer group: credit unions under $1B in assets in LA (n=59)
NCUA · 1 branch
Q4 2025
Return on Assets
-7.20%
Rank 59 of 59
Net Interest Margin
2.98%
Rank 52 of 59
Efficiency Ratio
325%
Rank 59 of 59
Equity / Assets
4.38%
Rank 59 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.20% | 0.10% | 0.48% | 0.95% | Beats 0% | 59 / 59 | |
| Return on Equity | -164.46% | 0.67% | 3.16% | 5.67% | Beats 0% | 59 / 59 | |
| Net Interest Margin | 2.98% | 3.27% | 4.02% | 4.58% | Beats 12% | 52 / 59 | |
| Efficiency Ratio | 325% | 74.17% | 81.48% | 90.69% | Beats 2% | 59 / 59 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.80% | 0.41% | 1.30% | 2.20% | Beats 15% | 51 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 4.37% | 11.67% | 15.11% | 23.29% | Beats 0% | 59 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 4.38% | 11.67% | 15.11% | 23.29% | Beats 0% | 59 / 59 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.03% | 54.84% | 72.42% | 82.68% | 51st pctl | 29 / 59 | |
| Loans / Assets | 70.07% | 48.87% | 59.81% | 70.07% | 75th pctl | 15 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||