CONCORDIA PARISH SCHOOL EMP
Charter #17396 · FERRIDAY, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.88% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 6.14% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.09% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 20th — a 23-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 | CONCORDIA PARISH SCHOOL EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.21M | 43th pct | 20th pct |
| Members | 1,369 | 91th pct | 72th pct |
| Net worth ratio | 10.65% | 16th pct | 31th pct |
| Return on average assets | 0.69% | 61th pct | 66th pct |
| Net interest margin | 4.88% | 75th pct | 77th pct |
| Cost of funds | 1.18% | 71th pct | 72th pct |
| Loan-to-share | 63.25% | 56th pct | 57th pct |
| Delinquency 60+ days | 6.14% | 90th pct | 90th pct |
| Net charge-off ratio | -0.09% | 14th pct | 7th pct |
| Loan growth YoY | -14.06% | 15th pct | 3th pct |
| Share growth YoY | 3.32% | 72th pct | 75th pct |
| Efficiency ratio | 88.23% | 54th pct | 52th pct |
structural peer set hash: 8a445c461ec1895301ac0c5c5d098693… (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.