ACCESS OF LOUISIANA
Charter #10353 · Lake Charles, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.68% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.06% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.74% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.70% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.04% sits at the 82nd percentile of structural peers — worth a closer look.
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 | ACCESS OF LOUISIANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.70M | 91th pct | 69th pct |
| Members | 3,631 | 87th pct | 69th pct |
| Net worth ratio | 9.68% | 16th pct | 23th pct |
| Return on average assets | 0.06% | 20th pct | 11th pct |
| Net interest margin | 2.74% | 10th pct | 5th pct |
| Cost of funds | 1.70% | 83th pct | 92th pct |
| Loan-to-share | 62.21% | 58th pct | 46th pct |
| Delinquency 60+ days | 1.04% | 69th pct | 82th pct |
| Net charge-off ratio | -0.02% | 19th pct | 23th pct |
| Loan growth YoY | -6.18% | 23th pct | 13th pct |
| Share growth YoY | 6.26% | 82th pct | 84th pct |
| Efficiency ratio | 95.52% | 83th pct | 87th pct |
structural peer set hash: 92f097f093be64102f9214fdb5ec8c1c… (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.