GEISMAR COMPLEX
Charter #23620 · Geismar, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.92% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.85% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.20% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.72% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 33rd — 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 | GEISMAR COMPLEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.19M | 89th pct | 61th pct |
| Members | 2,532 | 64th pct | 33th pct |
| Net worth ratio | 13.22% | 47th pct | 56th pct |
| Return on average assets | 0.84% | 60th pct | 62th pct |
| Net interest margin | 2.92% | 14th pct | 10th pct |
| Cost of funds | 1.85% | 87th pct | 87th pct |
| Loan-to-share | 68.93% | 69th pct | 48th pct |
| Delinquency 60+ days | 0.71% | 56th pct | 57th pct |
| Net charge-off ratio | -0.20% | 6th pct | 2th pct |
| Loan growth YoY | 3.29% | 88th pct | 89th pct |
| Share growth YoY | 1.91% | 43th pct | 46th pct |
| Efficiency ratio | 72.72% | 32th pct | 21th pct |
structural peer set hash: fa594c1ee6680cb0747844aa45c59972… (reproducible)
Closest structural peers
This is the free public view
Claim GEISMAR COMPLEX
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.