ST. MARY PARISH SCHOOL EMP.
Charter #22417 · Franklin, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.42% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.43% sits at the 95th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 77th — a 59-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 | ST. MARY PARISH SCHOOL EMP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 445,488 | 8th pct | 44th pct |
| Members | 266 | 22th pct | 59th pct |
| Net worth ratio | 23.03% | 69th pct | 62th pct |
| Return on average assets | 0.53% | 54th pct | 43th pct |
| Net interest margin | 5.42% | 84th pct | 92th pct |
| Cost of funds | 0.24% | 33th pct | 62th pct |
| Loan-to-share | 29.27% | 18th pct | 77th pct |
| Delinquency 60+ days | 1.06% | 54th pct | 61th pct |
| Net charge-off ratio | 0.43% | 81th pct | 95th pct |
| Loan growth YoY | 8.61% | 92th pct | 77th pct |
| Share growth YoY | -1.69% | 36th pct | 44th pct |
| Efficiency ratio | 90.34% | 56th pct | 57th pct |
structural peer set hash: f05837e1780de89ba12af681c965ef5a… (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.