Kraftman
Bastrop, LA · Charter 8530 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
$141.8MAssets
$47.2MLoans
$125.7MShares
$20.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of credit unions under $1B in assets in LA (rank 21 of 57).
- Widest gap: net interest margin trails 96% of credit unions under $1B in assets in LA (rank 55 of 57).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.41%
Rank 34 of 57
Net Interest Margin
2.52%
Rank 55 of 57
Efficiency Ratio
85.61%
Rank 36 of 56
Equity / Assets
14.60%
Rank 33 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.18% | 0.61% | 1.03% | Beats 40% | 34 / 57 | |
| Return on Equity | 2.80% | 0.88% | 3.71% | 5.62% | Beats 39% | 35 / 57 | |
| Net Interest Margin | 2.52% | 3.51% | 3.94% | 4.60% | Beats 4% | 55 / 57 | |
| Efficiency Ratio | 85.61% | 76.49% | 84.29% | 92.65% | Beats 37% | 36 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.35% | 1.18% | 2.04% | Beats 65% | 21 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.60% | 11.86% | 15.46% | 23.44% | Beats 42% | 33 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.60% | 11.86% | 15.46% | 23.44% | Beats 42% | 33 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 37.57% | 55.77% | 71.07% | 79.18% | 9th pctl | 52 / 57 | |
| Loans / Assets | 33.29% | 44.60% | 59.45% | 67.17% | 12th pctl | 50 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |