CENLA
Charter #15602 · Alexandria, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.86% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.14% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.96% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 74th — a 54-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 | CENLA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $129.49M | 20th pct | 74th pct |
| Members | 9,378 | 28th pct | 70th pct |
| Net worth ratio | 21.86% | 98th pct | 84th pct |
| Return on average assets | 2.14% | 97th pct | 92th pct |
| Net interest margin | 3.64% | 49th pct | 46th pct |
| Cost of funds | 0.72% | 27th pct | 43th pct |
| Loan-to-share | 42.01% | 6th pct | 26th pct |
| Delinquency 60+ days | 0.04% | 2th pct | 2th pct |
| Net charge-off ratio | 0.32% | 46th pct | 33th pct |
| Loan growth YoY | -2.96% | 17th pct | 34th pct |
| Share growth YoY | 2.60% | 37th pct | 33th pct |
| Efficiency ratio | 53.96% | 4th pct | 5th pct |
structural peer set hash: 7af8faf6459afa5d7d4abca782c7205f… (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.