CUSA
Charter #10640 · Covington, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.36% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.53% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.65% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 36th — a 26-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 | CUSA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.55M | 62th pct | 36th pct |
| Members | 2,551 | 64th pct | 39th pct |
| Net worth ratio | 9.97% | 18th pct | 26th pct |
| Return on average assets | 0.21% | 27th pct | 28th pct |
| Net interest margin | 3.36% | 29th pct | 15th pct |
| Cost of funds | 1.53% | 79th pct | 87th pct |
| Loan-to-share | 78.87% | 83th pct | 74th pct |
| Delinquency 60+ days | 0.94% | 66th pct | 69th pct |
| Net charge-off ratio | 0.65% | 77th pct | 75th pct |
| Loan growth YoY | -6.71% | 19th pct | 7th pct |
| Share growth YoY | -0.65% | 21th pct | 31th pct |
| Efficiency ratio | 85.30% | 63th pct | 49th pct |
structural peer set hash: 2794dc6d99be3f2e2bcafd4c060f9ccc… (reproducible)
Closest structural peers
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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.