| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -0.8% | -2.6% | +1.8 pts |
| ROA | 0.20% | 0.65% | -0.4 pts |
| ROE | 1.8% | 4.4% | -2.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.1M | $39.3M | $21.6M | $5.3M | $46K | 0.20% | 4.13% | 0.15% | 4,888 |
| Q1 2026 | $45.7M | $40.0M | $21.4M | $5.2M | $7K | 0.06% | 4.07% | 0.53% | 4,877 |
| Q4 2025 | $44.9M | $39.1M | $21.8M | $5.2M | $134K | 0.30% | 4.04% | 1.33% | 4,917 |
| Q3 2025 | $44.6M | $38.7M | $21.8M | $5.4M | $262K | 0.78% | 4.38% | 0.68% | 4,918 |
| Q2 2025 | $44.9M | $39.2M | $21.8M | $5.3M | $192K | 0.85% | 4.37% | 0.49% | 4,915 |
| Q1 2025 | $44.6M | $39.0M | $22.0M | $5.2M | $81K | 0.73% | 4.36% | 0.25% | 4,945 |
| Q4 2024 | $42.6M | $37.1M | $22.5M | $5.1M | $156K | 0.37% | 4.38% | 0.64% | 4,946 |
| Q3 2024 | $42.5M | $36.9M | $22.2M | $5.2M | $265K | 0.83% | 4.79% | 0.71% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Les Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,958 |
| Q2 2024 | $42.3M | $36.7M | $22.5M | $5.2M | $233K | 1.10% | 4.87% | 0.97% | 4,979 |
Loan mix (Q2 2026): real estate $3.6M · commercial $0 · consumer $16.4M · securities $20.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 80.6% | 70th |
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 | Les Federal 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 | Les Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Les Federal 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 | Les Federal 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 | Les Federal 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: East Baton Rouge, LA, ranked 35th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| East Baton Rouge, LA | 2 | $39.3M* | 0.17% | 35th |
Louisiana: 173rd with 0.03% · Baton Rouge metro: 48th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2