OUACHITA VALLEY
Charter #10181 · West Monroe, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 36,568 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 12.84% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.43% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.99% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 31st — a 20-point gap showing why the peer definition matters.
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 | OUACHITA VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $462.03M | 97th pct | 87th pct |
| Members | 36,568 | 98th pct | 85th pct |
| Net worth ratio | 12.84% | 67th pct | 75th pct |
| Return on average assets | 1.43% | 87th pct | 87th pct |
| Net interest margin | 3.67% | 51th pct | 31th pct |
| Cost of funds | 1.99% | 88th pct | 87th pct |
| Loan-to-share | 70.16% | 47th pct | 34th pct |
| Delinquency 60+ days | 0.74% | 60th pct | 57th pct |
| Net charge-off ratio | 0.68% | 77th pct | 66th pct |
| Loan growth YoY | 4.93% | 87th pct | 82th pct |
| Share growth YoY | 7.85% | 91th pct | 87th pct |
| Efficiency ratio | 71.88% | 28th pct | 34th pct |
structural peer set hash: 9b429406b24c00c58cf5cb1e255805c0… (reproducible)
Closest structural peers
This is the free public view
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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.