P.H.I.
Charter #21879 · Lafayette, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 832 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 6.88% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.67% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.71% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | P.H.I. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.05M | 60th pct | 5th pct |
| Members | 832 | 73th pct | 11th pct |
| Net worth ratio | 6.88% | 3th pct | 3th pct |
| Return on average assets | -0.67% | 20th pct | 18th pct |
| Net interest margin | 4.71% | 70th pct | 79th pct |
| Cost of funds | 0.05% | 16th pct | 8th pct |
| Loan-to-share | 68.78% | 62th pct | 57th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.07% | 15th pct | 8th pct |
| Loan growth YoY | -8.06% | 35th pct | 11th pct |
| Share growth YoY | 1.91% | 64th pct | 52th pct |
| Efficiency ratio | 113.30% | 84th pct | 87th pct |
structural peer set hash: 11f4b8fb0af7d30309128c7cde17b3cc… (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.