Southwest Louisiana
Lake Charles, LA · Charter 62756 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 5 branches
Q2 2026
$182.6MAssets
$150.6MLoans
$154.4MShares
$28.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in LA (rank 8 of 57).
- Widest gap: efficiency ratio trails 55% of credit unions under $1B in assets in LA (rank 32 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.61%
Rank 29 of 57
Net Interest Margin
4.87%
Rank 8 of 57
Efficiency Ratio
84.68%
Rank 32 of 56
Equity / Assets
15.84%
Rank 27 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.18% | 0.61% | 1.03% | Beats 49% | 29 / 57 | |
| Return on Equity | 3.87% | 0.88% | 3.71% | 5.62% | Beats 53% | 27 / 57 | |
| Net Interest Margin | 4.87% | 3.51% | 3.94% | 4.60% | Beats 86% | 8 / 57 | |
| Efficiency Ratio | 84.68% | 76.49% | 84.29% | 92.65% | Beats 45% | 32 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.35% | 1.18% | 2.04% | Beats 46% | 32 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.84% | 11.86% | 15.46% | 23.44% | Beats 53% | 27 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.84% | 11.86% | 15.46% | 23.44% | Beats 53% | 27 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 97.51% | 55.77% | 71.07% | 79.18% | 91st pctl | 5 / 57 | |
| Loans / Assets | 82.48% | 44.60% | 59.45% | 67.17% | 96th pctl | 2 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |