FORMATION
Charter #3061 · Baton Rouge, LA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.64% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.81% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.46% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 21st — a 33-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 | FORMATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $95.23M | 94th pct | 62th pct |
| Members | 9,111 | 93th pct | 69th pct |
| Net worth ratio | 13.64% | 59th pct | 75th pct |
| Return on average assets | 0.59% | 43th pct | 52th pct |
| Net interest margin | 3.81% | 55th pct | 21th pct |
| Cost of funds | 1.46% | 78th pct | 82th pct |
| Loan-to-share | 71.67% | 71th pct | 62th pct |
| Delinquency 60+ days | 1.11% | 75th pct | 70th pct |
| Net charge-off ratio | 0.83% | 85th pct | 72th pct |
| Loan growth YoY | -8.87% | 4th pct | 5th pct |
| Share growth YoY | -9.65% | 0th pct | 0th pct |
| Efficiency ratio | 78.84% | 47th pct | 39th pct |
structural peer set hash: cd4941a6bbfb8203073e33570e52dfb7… (reproducible)
Closest structural peers
This is the free public view
Claim FORMATION
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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.