U B C SOUTHERN COUNCIL INDUSTRIA WO
Charter #22219 · MINDEN, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 38.49% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 8.27% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 70th — a 25-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 | U B C SOUTHERN COUNCIL INDUSTRIA WO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 800,848 | 14th pct | 13th pct |
| Members | 333 | 27th pct | 28th pct |
| Net worth ratio | 38.49% | 93th pct | 87th pct |
| Return on average assets | 1.10% | 75th pct | 66th pct |
| Net interest margin | 8.27% | 99th pct | 95th pct |
| Cost of funds | 0.74% | 58th pct | 54th pct |
| Loan-to-share | 103.90% | 95th pct | 70th pct |
| Delinquency 60+ days | 0.62% | 45th pct | 34th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -3.67% | 57th pct | 54th pct |
| Share growth YoY | -2.28% | 32th pct | 33th pct |
| Efficiency ratio | 85.47% | 49th pct | 51th pct |
structural peer set hash: 470fa7553dd0c8695fa5233c651771d6… (reproducible)
Closest structural peers
This is the free public view
Claim U B C SOUTHERN COUNCIL INDUSTRIA WO
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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.