G. C. A.
Charter #20529 · LAKE CHARLES, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 30.30% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.93% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 20th — a 31-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 | G. C. A. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.06M | 51th pct | 20th pct |
| Members | 778 | 68th pct | 48th pct |
| Net worth ratio | 30.30% | 86th pct | 75th pct |
| Return on average assets | 0.39% | 49th pct | 48th pct |
| Net interest margin | 3.66% | 38th pct | 41th pct |
| Cost of funds | 0.77% | 59th pct | 54th pct |
| Loan-to-share | 34.37% | 23th pct | 20th pct |
| Delinquency 60+ days | 0.31% | 37th pct | 28th pct |
| Net charge-off ratio | 0.93% | 86th pct | 75th pct |
| Loan growth YoY | -2.07% | 65th pct | 77th pct |
| Share growth YoY | 0.37% | 51th pct | 56th pct |
| Efficiency ratio | 89.80% | 56th pct | 56th pct |
structural peer set hash: e8422bfc45696aa80d9ca14c35661a6f… (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.