Carter
Springhill, LA · Charter 9164 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 15 branches
Q2 2026
$762.9MAssets
$591.9MLoans
$587.6MShares
$65.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets in LA (rank 10 of 57).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets in LA (rank 52 of 57).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.65%
Rank 27 of 57
Net Interest Margin
2.80%
Rank 52 of 57
Efficiency Ratio
72.52%
Rank 11 of 56
Equity / Assets
8.60%
Rank 52 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.18% | 0.61% | 1.03% | Beats 53% | 27 / 57 | |
| Return on Equity | 7.51% | 0.88% | 3.71% | 5.62% | Beats 82% | 10 / 57 | |
| Net Interest Margin | 2.80% | 3.51% | 3.94% | 4.60% | Beats 9% | 52 / 57 | |
| Efficiency Ratio | 72.52% | 76.49% | 84.29% | 92.65% | Beats 82% | 11 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.66% | 0.35% | 1.18% | 2.04% | Beats 9% | 53 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.60% | 11.86% | 15.46% | 23.44% | Beats 9% | 52 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.60% | 11.86% | 15.46% | 23.44% | Beats 9% | 52 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 100.74% | 55.77% | 71.07% | 79.18% | 95th pctl | 3 / 57 | |
| Loans / Assets | 77.58% | 44.60% | 59.45% | 67.17% | 93rd pctl | 4 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |