S T S P
Charter #15089 · Lacombe, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 299 sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.24% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.03% sits at the 87th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 26th — 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 | S T S P | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 791,054 | 14th pct | 7th pct |
| Members | 299 | 25th pct | 20th pct |
| Net worth ratio | 9.00% | 10th pct | 26th pct |
| Return on average assets | -0.76% | 18th pct | 33th pct |
| Net interest margin | 4.72% | 71th pct | 69th pct |
| Cost of funds | 0.24% | 33th pct | 25th pct |
| Loan-to-share | 59.49% | 51th pct | 39th pct |
| Delinquency 60+ days | 5.03% | 86th pct | 87th pct |
| Net charge-off ratio | 0.00% | 22th pct | 26th pct |
| Loan growth YoY | 30.95% | 97th pct | 98th pct |
| Share growth YoY | -4.67% | 18th pct | 18th pct |
| Efficiency ratio | 116.00% | 86th pct | 72th pct |
structural peer set hash: 96dcbea021402f7156b7cbe98a9b6d6d… (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.