ENGAGE
Charter #22005 · NATCHITOCHES, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,236 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 20.90% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 3.85% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.29% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 61st — a 18-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 | ENGAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.21M | 59th pct | 74th pct |
| Members | 4,236 | 92th pct | 84th pct |
| Net worth ratio | 20.90% | 88th pct | 80th pct |
| Return on average assets | 3.85% | 99th pct | 98th pct |
| Net interest margin | 4.53% | 79th pct | 62th pct |
| Cost of funds | 1.51% | 78th pct | 61th pct |
| Loan-to-share | 91.68% | 95th pct | 85th pct |
| Delinquency 60+ days | 0.79% | 60th pct | 64th pct |
| Net charge-off ratio | 0.09% | 46th pct | 51th pct |
| Loan growth YoY | -1.04% | 62th pct | 54th pct |
| Share growth YoY | 8.02% | 91th pct | 89th pct |
| Efficiency ratio | 55.29% | 6th pct | 5th pct |
structural peer set hash: 2a3c52f9c3fb972260c6d67f50da1425… (reproducible)
Closest structural peers
This is the free public view
Claim ENGAGE
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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.