JAMES WARD, JR.
Charter #14537 · JENNINGS, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 493 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 5.02% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.15% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.74% sits at the 97th 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 | JAMES WARD, JR. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.94M | 29th pct | 15th pct |
| Members | 493 | 43th pct | 18th pct |
| Net worth ratio | 32.92% | 89th pct | 74th pct |
| Return on average assets | 0.27% | 45th pct | 36th pct |
| Net interest margin | 5.02% | 77th pct | 85th pct |
| Cost of funds | 0.19% | 28th pct | 16th pct |
| Loan-to-share | 85.44% | 83th pct | 66th pct |
| Delinquency 60+ days | 5.15% | 86th pct | 93th pct |
| Net charge-off ratio | 2.74% | 93th pct | 97th pct |
| Loan growth YoY | 2.87% | 83th pct | 84th pct |
| Share growth YoY | 4.28% | 78th pct | 79th pct |
| Efficiency ratio | 95.23% | 65th pct | 77th pct |
structural peer set hash: a797f374f0e99402c5474a53158878c0… (reproducible)
Closest structural peers
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Claim JAMES WARD, JR.
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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.