Fourth Ward
Amite, LA · Charter 7877 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$930KAssets
$497KLoans
$789KShares
$141KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in LA (rank 1 of 56).
- Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets in LA (rank 56 of 57).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
3.66%
Rank 2 of 57
Net Interest Margin
6.88%
Rank 1 of 57
Efficiency Ratio
46.88%
Rank 1 of 56
Equity / Assets
15.16%
Rank 31 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.66% | 0.18% | 0.61% | 1.03% | Beats 96% | 2 / 57 | |
| Return on Equity | 24.11% | 0.88% | 3.71% | 5.62% | Beats 98% | 1 / 57 | |
| Net Interest Margin | 6.88% | 3.51% | 3.94% | 4.60% | Beats 98% | 1 / 57 | |
| Efficiency Ratio | 46.88% | 76.49% | 84.29% | 92.65% | Beats 100% | 1 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 10.06% | 0.35% | 1.18% | 2.04% | Beats 4% | 56 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.16% | 11.86% | 15.46% | 23.44% | Beats 46% | 31 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.16% | 11.86% | 15.46% | 23.44% | Beats 46% | 31 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 62.99% | 55.77% | 71.07% | 79.18% | 37th pctl | 36 / 57 | |
| Loans / Assets | 53.44% | 44.60% | 59.45% | 67.17% | 39th pctl | 35 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |