SOUTHWEST LOUISIANA
Charter #62756 · Lake Charles, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.54% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.90% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.01% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.92% sits at the 80th 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 | SOUTHWEST LOUISIANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $184.28M | 46th pct | 38th pct |
| Members | 19,296 | 75th pct | 64th pct |
| Net worth ratio | 15.54% | 88th pct | 89th pct |
| Return on average assets | 0.59% | 41th pct | 41th pct |
| Net interest margin | 4.90% | 96th pct | 93th pct |
| Cost of funds | 1.27% | 54th pct | 46th pct |
| Loan-to-share | 92.44% | 93th pct | 92th pct |
| Delinquency 60+ days | 1.01% | 77th pct | 84th pct |
| Net charge-off ratio | 0.92% | 87th pct | 80th pct |
| Loan growth YoY | -0.51% | 41th pct | 27th pct |
| Share growth YoY | 4.52% | 65th pct | 73th pct |
| Efficiency ratio | 82.88% | 65th pct | 72th pct |
structural peer set hash: e639bddfdd316430fb64f095c3744d06… (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.