Postal
Baton Rouge, LA · Charter 62148 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=23)
NCUA · 1 branch
Q2 2025
$16.9MAssets
$9.7MLoans
$13.9MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 65% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 8 of 23).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 23 of 23).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-16.66%
Rank 23 of 23
Net Interest Margin
4.40%
Rank 8 of 23
Efficiency Ratio
383%
Rank 23 of 23
Equity / Assets
16.87%
Rank 8 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -16.66% | -0.16% | 0.49% | 1.46% | Beats 0% | 23 / 23 | | |
| Return on Equity | -98.74% | -1.42% | 3.57% | 8.90% | Beats 0% | 23 / 23 | | |
| Net Interest Margin | 4.40% | 3.65% | 4.13% | 4.73% | Beats 65% | 8 / 23 | | |
| Efficiency Ratio | 383% | 68.69% | 80.35% | 92.75% | Beats 4% | 23 / 23 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.34% | 0.43% | 0.69% | 2.75% | Beats 39% | 15 / 23 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.87% | 11.14% | 14.79% | 18.64% | Beats 65% | 8 / 23 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.87% | 11.14% | 14.79% | 18.64% | Beats 65% | 8 / 23 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.21% | 56.32% | 74.45% | 85.98% | 35th pctl | 15 / 23 | | |
| Loans / Assets | 57.71% | 48.51% | 64.77% | 70.95% | 30th pctl | 16 / 23 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |