LES
Charter #6584 · BATON ROUGE, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,877 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.06% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.03% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.18% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 70th — a 23-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 | LES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.69M | 94th pct | 70th pct |
| Members | 4,877 | 96th pct | 79th pct |
| Net worth ratio | 11.46% | 31th pct | 38th pct |
| Return on average assets | 0.06% | 20th pct | 21th pct |
| Net interest margin | 4.10% | 62th pct | 57th pct |
| Cost of funds | 1.03% | 60th pct | 80th pct |
| Loan-to-share | 53.60% | 44th pct | 64th pct |
| Delinquency 60+ days | 0.53% | 47th pct | 43th pct |
| Net charge-off ratio | 1.18% | 88th pct | 84th pct |
| Loan growth YoY | -1.68% | 56th pct | 57th pct |
| Share growth YoY | 3.28% | 59th pct | 62th pct |
| Efficiency ratio | 87.12% | 67th pct | 61th pct |
structural peer set hash: 401380d14b8622190c24f613cf2b0933… (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.