People's
Rayne, LA · Charter 62564 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$24.9MAssets
$10.0MLoans
$19.9MShares
$4.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of credit unions under $1B in assets in LA (rank 9 of 56).
- Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets in LA (rank 46 of 57).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.87%
Rank 18 of 57
Net Interest Margin
4.09%
Rank 23 of 57
Efficiency Ratio
69.54%
Rank 9 of 56
Equity / Assets
19.67%
Rank 19 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.18% | 0.61% | 1.03% | Beats 68% | 18 / 57 | |
| Return on Equity | 4.45% | 0.88% | 3.71% | 5.62% | Beats 61% | 22 / 57 | |
| Net Interest Margin | 4.09% | 3.51% | 3.94% | 4.60% | Beats 60% | 23 / 57 | |
| Efficiency Ratio | 69.54% | 76.49% | 84.29% | 92.65% | Beats 86% | 9 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.11% | 0.35% | 1.18% | 2.04% | Beats 21% | 46 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.67% | 11.86% | 15.46% | 23.44% | Beats 67% | 19 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.67% | 11.86% | 15.46% | 23.44% | Beats 67% | 19 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 50.30% | 55.77% | 71.07% | 79.18% | 18th pctl | 47 / 57 | |
| Loans / Assets | 40.26% | 44.60% | 59.45% | 67.17% | 19th pctl | 46 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |