CSE
Charter #5086 · Lake Charles, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,569 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.98% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 39th — 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 | CSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $455.89M | 96th pct | 92th pct |
| Members | 35,569 | 97th pct | 98th pct |
| Net worth ratio | 10.96% | 42th pct | 52th pct |
| Return on average assets | 0.98% | 69th pct | 85th pct |
| Net interest margin | 3.63% | 49th pct | 66th pct |
| Cost of funds | 1.25% | 53th pct | 44th pct |
| Loan-to-share | 67.15% | 40th pct | 41th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 57th pct |
| Net charge-off ratio | 0.22% | 34th pct | 48th pct |
| Loan growth YoY | -0.31% | 44th pct | 43th pct |
| Share growth YoY | -0.00% | 10th pct | 13th pct |
| Efficiency ratio | 80.48% | 57th pct | 39th pct |
structural peer set hash: a5a48a34d774b4e97ef23fd0a8940e16… (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.