Cogic
Lafayette, LA · Charter 65780 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
$341KAssets
$204KLoans
$326KShares
$15KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets in LA (rank 12 of 57).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in LA (rank 57 of 57).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-5.87%
Rank 57 of 57
Net Interest Margin
4.69%
Rank 12 of 57
Efficiency Ratio
131.25%
Rank 55 of 56
Equity / Assets
4.40%
Rank 57 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -5.87% | 0.18% | 0.61% | 1.03% | Beats 0% | 57 / 57 | |
| Return on Equity | -133.33% | 0.88% | 3.71% | 5.62% | Beats 0% | 57 / 57 | |
| Net Interest Margin | 4.69% | 3.51% | 3.94% | 4.60% | Beats 79% | 12 / 57 | |
| Efficiency Ratio | 131.25% | 76.49% | 84.29% | 92.65% | Beats 4% | 55 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.96% | 0.35% | 1.18% | 2.04% | Beats 30% | 41 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 4.40% | 11.86% | 15.46% | 23.44% | Beats 0% | 57 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 4.40% | 11.86% | 15.46% | 23.44% | Beats 0% | 57 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 62.58% | 55.77% | 71.07% | 79.18% | 33rd pctl | 38 / 57 | |
| Loans / Assets | 59.82% | 44.60% | 59.45% | 67.17% | 51st pctl | 28 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |