Bayou
Baton Rouge, LA · Charter 9931 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)
NCUA · 4 branches
Q2 2026
$82.5MAssets
$55.5MLoans
$69.0MShares
$13.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 3 of 21).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 18 of 21).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.67%
Rank 10 of 21
Net Interest Margin
3.37%
Rank 18 of 21
Efficiency Ratio
79.98%
Rank 10 of 21
Equity / Assets
15.91%
Rank 10 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.20% | 0.59% | 1.13% | Beats 52% | 10 / 21 | |
| Return on Equity | 4.19% | 1.01% | 4.78% | 7.97% | Beats 43% | 12 / 21 | |
| Net Interest Margin | 3.37% | 3.81% | 3.95% | 4.86% | Beats 14% | 18 / 21 | |
| Efficiency Ratio | 79.98% | 72.50% | 80.80% | 90.61% | Beats 57% | 10 / 21 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.36% | 0.80% | 1.45% | Beats 90% | 3 / 21 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.91% | 11.23% | 14.10% | 17.49% | Beats 52% | 10 / 21 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.91% | 11.23% | 14.10% | 17.49% | Beats 52% | 10 / 21 | |
| Liquidity & Funding |
| Loans / Deposits | 80.45% | 58.58% | 76.49% | 83.93% | 67th pctl | 7 / 21 | |
| Loans / Assets | 67.31% | 53.07% | 62.76% | 69.97% | 67th pctl | 7 / 21 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |