ESSENTIAL
Charter #68736 · Baton Rouge, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.04% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.48% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.12% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.67% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 85.23% sits at the 79th 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 | ESSENTIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $429.82M | 94th pct | 56th pct |
| Members | 31,118 | 95th pct | 59th pct |
| Net worth ratio | 9.04% | 15th pct | 10th pct |
| Return on average assets | 0.49% | 35th pct | 30th pct |
| Net interest margin | 3.80% | 60th pct | 64th pct |
| Cost of funds | 2.48% | 96th pct | 97th pct |
| Loan-to-share | 92.82% | 94th pct | 82th pct |
| Delinquency 60+ days | 1.12% | 81th pct | 84th pct |
| Net charge-off ratio | 0.67% | 77th pct | 75th pct |
| Loan growth YoY | 4.44% | 84th pct | 67th pct |
| Share growth YoY | 3.98% | 57th pct | 48th pct |
| Efficiency ratio | 85.23% | 73th pct | 79th pct |
structural peer set hash: 82cf5e864ce2d0e5eb56fecc8fbcc5ac… (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.