EFCU FINANCIAL
Charter #13 · Baton Rouge, LA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.64% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.72% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 3.21% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.33% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.31% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | EFCU FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.28B | 18th pct | 56th pct |
| Members | 72,182 | 20th pct | 51th pct |
| Net worth ratio | 9.64% | 25th pct | 23th pct |
| Return on average assets | 0.93% | 67th pct | 62th pct |
| Net interest margin | 2.72% | 15th pct | 5th pct |
| Cost of funds | 3.21% | 96th pct | 98th pct |
| Loan-to-share | 99.95% | 90th pct | 89th pct |
| Delinquency 60+ days | 0.33% | 17th pct | 23th pct |
| Net charge-off ratio | 0.31% | 25th pct | 25th pct |
| Loan growth YoY | 3.42% | 70th pct | 57th pct |
| Share growth YoY | 5.70% | 72th pct | 74th pct |
| Efficiency ratio | 68.33% | 35th pct | 28th pct |
structural peer set hash: cf1cf1bb1ae3d4636bc92b7317b46e4a… (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.