MORGAN CITY
Charter #15009 · MORGAN CITY, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.07% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 48th — a 27-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 | MORGAN CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.94M | 59th pct | 34th pct |
| Members | 860 | 74th pct | 48th pct |
| Net worth ratio | 16.10% | 44th pct | 43th pct |
| Return on average assets | 0.16% | 39th pct | 28th pct |
| Net interest margin | 4.07% | 51th pct | 77th pct |
| Cost of funds | 0.65% | 55th pct | 43th pct |
| Loan-to-share | 72.25% | 66th pct | 61th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -4.56% | 53th pct | 54th pct |
| Share growth YoY | -3.13% | 26th pct | 18th pct |
| Efficiency ratio | 96.31% | 68th pct | 70th pct |
structural peer set hash: af372cb0046b852709525d0bb368d558… (reproducible)
Closest structural peers
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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.