CALCASIEU TEACHERS AND EMPLOYEES
Charter #63142 · Lake Charles, LA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.46% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.66% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 52nd — a 24-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 | CALCASIEU TEACHERS AND EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.79M | 29th pct | 52th pct |
| Members | 4,618 | 42th pct | 61th pct |
| Net worth ratio | 16.46% | 79th pct | 77th pct |
| Return on average assets | 0.24% | 24th pct | 26th pct |
| Net interest margin | 3.42% | 34th pct | 49th pct |
| Cost of funds | 1.25% | 68th pct | 66th pct |
| Loan-to-share | 47.78% | 26th pct | 41th pct |
| Delinquency 60+ days | 0.28% | 27th pct | 43th pct |
| Net charge-off ratio | 0.66% | 80th pct | 82th pct |
| Loan growth YoY | 2.12% | 80th pct | 85th pct |
| Share growth YoY | 3.39% | 58th pct | 52th pct |
| Efficiency ratio | 87.72% | 74th pct | 70th pct |
structural peer set hash: 186617a486a0303d7fc410cb212b886d… (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.