T E A
Charter #18462 · Houma, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.09% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.73% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 5.38% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 112.46% sits at the 90th percentile of structural peers — worth a closer look.
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 | T E A | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.46M | 35th pct | 16th pct |
| Members | 939 | 80th pct | 57th pct |
| Net worth ratio | 8.09% | 6th pct | 8th pct |
| Return on average assets | -0.73% | 19th pct | 11th pct |
| Net interest margin | 5.38% | 84th pct | 90th pct |
| Cost of funds | 0.21% | 30th pct | 21th pct |
| Loan-to-share | 64.11% | 57th pct | 49th pct |
| Delinquency 60+ days | 1.58% | 62th pct | 74th pct |
| Net charge-off ratio | 0.06% | 74th pct | 72th pct |
| Loan growth YoY | -5.73% | 47th pct | 39th pct |
| Share growth YoY | -2.47% | 30th pct | 21th pct |
| Efficiency ratio | 112.46% | 83th pct | 90th pct |
structural peer set hash: 9b865168ac0c607487498b52f07d58aa… (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.