Acadian Federal Credit Union
Total assets
$20.7M
▲ +1.7% YoY
Shares & deposits
$18.2M
▲ +0.5% YoY
Loans
$11.3M
▼ -7.1% YoY
Members
2,725
▲ +0.7% YoY
ROA (annualized)
0.96%
peers 0.60%
ROE (annualized)
8.22%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -7.1% | -2.4% | -4.8 pts |
| ROA | 0.96% | 0.60% | +0.4 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 102 Sunbeam Ln, Lafayette, LA, 70506
- NCUA charter #
- 6898
- RSSD ID
- 581787
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.7M | $18.2M | $11.3M | $2.4M | $50K | 0.96% | 4.09% | 0.65% | 2,725 |
| Q4 2025 | $20.3M | $17.9M | $11.7M | $2.4M | $278K | 1.37% | 4.46% | 0.55% | 2,718 |
| Q3 2025 | $20.5M | $18.2M | $12.0M | $2.3M | $218K | 1.41% | 4.41% | 0.40% | 2,717 |
| Q2 2025 | $20.3M | $18.0M | $12.0M | $2.3M | $170K | 1.68% | 4.46% | 0.09% | 2,711 |
| Q1 2025 | $20.3M | $18.1M | $12.1M | $2.2M | $77K | 1.51% | 4.56% | 0.23% | 2,705 |
| Q4 2024 | $20.0M | $17.9M | $12.1M | $2.1M | $331K | 1.65% | 4.52% | 0.32% | 2,807 |
| Q3 2024 | $19.7M | $17.7M | $12.4M | $2.0M | $238K | 1.61% | 4.54% | 0.92% | 2,806 |
| Q2 2024 | $19.6M | $17.7M | $12.0M | $1.9M | $140K | 1.42% | 4.46% | 0.47% | 2,802 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $8.6M · securities $4.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% | 62th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 81.5% | 43th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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