VERMILION EMPLOYEES
Charter #61540 · Abbeville, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.80% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.88% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.39% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.90% sits at the 87th percentile of structural peers — worth a closer look.
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 | VERMILION EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.68M | 20th pct | 28th pct |
| Members | 2,378 | 60th pct | 56th pct |
| Net worth ratio | 15.29% | 61th pct | 59th pct |
| Return on average assets | 0.46% | 39th pct | 34th pct |
| Net interest margin | 2.80% | 11th pct | 5th pct |
| Cost of funds | 1.88% | 87th pct | 87th pct |
| Loan-to-share | 74.57% | 76th pct | 67th pct |
| Delinquency 60+ days | 2.39% | 89th pct | 95th pct |
| Net charge-off ratio | 0.90% | 83th pct | 87th pct |
| Loan growth YoY | -1.61% | 57th pct | 54th pct |
| Share growth YoY | 1.78% | 42th pct | 51th pct |
| Efficiency ratio | 84.46% | 61th pct | 52th pct |
structural peer set hash: a4ce53bcc09affdf4fadf3c091e8dd3e… (reproducible)
Closest structural peers
This is the free public view
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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.