LA CAPITOL
Charter #14568 · Baton Rouge, LA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.40% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.06% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 34th — a 17-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 | LA CAPITOL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $799.71M | 68th pct | 64th pct |
| Members | 51,987 | 76th pct | 66th pct |
| Net worth ratio | 12.87% | 80th pct | 74th pct |
| Return on average assets | 0.83% | 62th pct | 57th pct |
| Net interest margin | 3.56% | 54th pct | 39th pct |
| Cost of funds | 1.49% | 52th pct | 62th pct |
| Loan-to-share | 88.69% | 74th pct | 75th pct |
| Delinquency 60+ days | 1.40% | 93th pct | 98th pct |
| Net charge-off ratio | 1.06% | 90th pct | 89th pct |
| Loan growth YoY | 1.00% | 52th pct | 34th pct |
| Share growth YoY | 2.25% | 25th pct | 25th pct |
| Efficiency ratio | 69.75% | 22th pct | 28th pct |
structural peer set hash: 481ebe9409f131054b0737247a279cea… (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.