West Monroe City Employees
West Monroe, LA · Charter 22527 · Peer group: credit unions under $1B in assets in LA (n=59)
NCUA · 1 branch
Q4 2025
$3.8MAssets
$2.7MLoans
$3.6MShares
$166KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 15% of credit unions under $1B in assets in LA (rank 51 of 59).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in LA (rank 59 of 59).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |