705
Charter #18749 · Lafayette, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.52% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.08% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 3.48% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.24% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.83% sits at the 77th 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 | 705 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.73M | 92th pct | 49th pct |
| Members | 3,744 | 88th pct | 49th pct |
| Net worth ratio | 7.52% | 3th pct | 3th pct |
| Return on average assets | 0.08% | 21th pct | 16th pct |
| Net interest margin | 3.48% | 33th pct | 20th pct |
| Cost of funds | 1.23% | 68th pct | 62th pct |
| Loan-to-share | 75.81% | 79th pct | 70th pct |
| Delinquency 60+ days | 2.24% | 87th pct | 95th pct |
| Net charge-off ratio | 0.83% | 82th pct | 77th pct |
| Loan growth YoY | -4.58% | 33th pct | 21th pct |
| Share growth YoY | -4.59% | 4th pct | 3th pct |
| Efficiency ratio | 96.55% | 85th pct | 85th pct |
structural peer set hash: e9fbdc968dc920000443749bfbb52123… (reproducible)
Closest structural peers
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Claim 705
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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.