| Metric | C-F La. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.8 pts |
| Loan growth (YoY) | -22.6% | -2.4% | -20.2 pts |
| ROA | -0.34% | 0.60% | -0.9 pts |
| ROE | -1.7% | 4.1% | -5.8 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.9M | $5.5M | $2.5M | $1.4M | $-6K | -0.34% | 3.76% | 0.00% | 1,076 |
| Q4 2025 | $7.1M | $5.8M | $2.8M | $1.4M | $52K | 0.73% | 4.17% | 0.07% | 1,095 |
| Q3 2025 | $7.1M | $5.7M | $3.0M | $1.4M | $53K | 0.99% | 4.16% | 0.07% | 1,145 |
| Q2 2025 | $7.3M | $5.9M | $3.1M | $1.4M | $34K | 0.93% | 4.05% | 0.08% | 1,145 |
| Q1 2025 | $7.2M | $5.9M | $3.2M | $1.3M | $14K | 0.77% | 3.97% | 0.10% | 1,155 |
| Q4 2024 | $7.3M | $6.0M | $3.6M | $1.3M | $93K | 1.27% | 4.03% | 0.01% | 1,170 |
| Q3 2024 | $7.3M | $6.0M | $3.8M | $1.3M | $67K | 1.22% | 3.95% | 0.14% | 1,174 |
| Q2 2024 | $7.5M | $6.2M | $3.8M | $1.3M | $39K | 1.05% | 3.76% | 0.00% | 1,182 |
| Ratio | C-F La. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.34% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.1% | 81.5% | 90th |
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% |
| Ratio | C-F La. Credit Union | 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% |
| Ratio | C-F La. Credit Union | 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% |
| Ratio | C-F La. Credit Union | 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% |
| Ratio | C-F La. Credit Union | 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% |
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