BAYOU COMMUNITY
Charter #11782 · Saint Gabriel, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,568 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 9.96% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.35% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 30th — a 16-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 | BAYOU COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.30M | 29th pct | 23th pct |
| Members | 1,568 | 27th pct | 23th pct |
| Net worth ratio | 9.96% | 18th pct | 18th pct |
| Return on average assets | 1.35% | 81th pct | 89th pct |
| Net interest margin | 4.68% | 84th pct | 70th pct |
| Cost of funds | 1.26% | 69th pct | 54th pct |
| Loan-to-share | 86.43% | 91th pct | 77th pct |
| Delinquency 60+ days | 0.72% | 57th pct | 52th pct |
| Net charge-off ratio | 0.33% | 64th pct | 61th pct |
| Loan growth YoY | 5.69% | 94th pct | 98th pct |
| Share growth YoY | -3.12% | 8th pct | 11th pct |
| Efficiency ratio | 78.84% | 46th pct | 30th pct |
structural peer set hash: 7fea25d0c98328fd2795283ee6b35f84… (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.