HEART OF LOUISIANA
Charter #10164 · PINEVILLE, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.21% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.39% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.42% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.25% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.42% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HEART OF LOUISIANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $146.42M | 29th pct | 33th pct |
| Members | 16,407 | 65th pct | 59th pct |
| Net worth ratio | 16.21% | 90th pct | 89th pct |
| Return on average assets | 0.39% | 28th pct | 25th pct |
| Net interest margin | 4.42% | 88th pct | 84th pct |
| Cost of funds | 0.25% | 11th pct | 10th pct |
| Loan-to-share | 63.89% | 34th pct | 48th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 23th pct |
| Net charge-off ratio | 0.48% | 62th pct | 62th pct |
| Loan growth YoY | 5.94% | 91th pct | 90th pct |
| Share growth YoY | 6.52% | 84th pct | 92th pct |
| Efficiency ratio | 87.57% | 79th pct | 77th pct |
structural peer set hash: 77dc1ea980cb34cbec790ec5dc5723b9… (reproducible)
Closest structural peers
This is the free public view
Claim HEART OF LOUISIANA
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.