LA TERRE
Charter #20002 · HOUMA, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,924 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 6.30% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.33% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 5.10% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 105.66% sits at the 85th 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 | LA TERRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.41M | 50th pct | 62th pct |
| Members | 4,924 | 96th pct | 82th pct |
| Net worth ratio | 6.30% | 1th pct | 0th pct |
| Return on average assets | -0.33% | 12th pct | 18th pct |
| Net interest margin | 5.10% | 93th pct | 87th pct |
| Cost of funds | 1.39% | 74th pct | 66th pct |
| Loan-to-share | 91.86% | 95th pct | 93th pct |
| Delinquency 60+ days | 1.00% | 68th pct | 72th pct |
| Net charge-off ratio | 0.26% | 60th pct | 56th pct |
| Loan growth YoY | -0.96% | 63th pct | 51th pct |
| Share growth YoY | -0.55% | 22th pct | 33th pct |
| Efficiency ratio | 105.66% | 92th pct | 85th pct |
structural peer set hash: 94accb85a82b381eaad4410d39428edb… (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.