Valex
Alexandria, LA · Charter 6116 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
$41.0MAssets
$27.8MLoans
$37.5MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets in LA (rank 2 of 57).
- Widest gap: equity / assets trails 89% of credit unions under $1B in assets in LA (rank 51 of 57).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.51%
Rank 8 of 57
Net Interest Margin
4.66%
Rank 14 of 57
Efficiency Ratio
58.65%
Rank 4 of 56
Equity / Assets
9.48%
Rank 51 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.18% | 0.61% | 1.03% | Beats 86% | 8 / 57 | |
| Return on Equity | 15.95% | 0.88% | 3.71% | 5.62% | Beats 96% | 2 / 57 | |
| Net Interest Margin | 4.66% | 3.51% | 3.94% | 4.60% | Beats 75% | 14 / 57 | |
| Efficiency Ratio | 58.65% | 76.49% | 84.29% | 92.65% | Beats 95% | 4 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.57% | 0.35% | 1.18% | 2.04% | Beats 40% | 35 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.48% | 11.86% | 15.46% | 23.44% | Beats 11% | 51 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.48% | 11.86% | 15.46% | 23.44% | Beats 11% | 51 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 74.02% | 55.77% | 71.07% | 79.18% | 63rd pctl | 21 / 57 | |
| Loans / Assets | 67.73% | 44.60% | 59.45% | 67.17% | 79th pctl | 12 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |