ST. BERNARD PARISH SCHOOL BOARD EMP
Charter #12944 · CHALMETTE, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,108 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 37.64% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.11% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 51.28% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 77th — a 54-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 | ST. BERNARD PARISH SCHOOL BOARD EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.72M | 23th pct | 77th pct |
| Members | 3,108 | 78th pct | 93th pct |
| Net worth ratio | 37.64% | 99th pct | 90th pct |
| Return on average assets | 2.11% | 96th pct | 92th pct |
| Net interest margin | 4.21% | 68th pct | 56th pct |
| Cost of funds | 0.44% | 29th pct | 34th pct |
| Loan-to-share | 80.66% | 85th pct | 59th pct |
| Delinquency 60+ days | 1.06% | 70th pct | 70th pct |
| Net charge-off ratio | 0.33% | 63th pct | 70th pct |
| Loan growth YoY | 1.40% | 79th pct | 80th pct |
| Share growth YoY | -3.55% | 6th pct | 18th pct |
| Efficiency ratio | 51.28% | 4th pct | 3th pct |
structural peer set hash: 7419232e725b90d1c9421d541bb079ee… (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.