ACADIAN
Charter #6898 · Lafayette, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.33% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.13% sits at the 90th 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 | ACADIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.67M | 37th pct | 48th pct |
| Members | 2,725 | 68th pct | 70th pct |
| Net worth ratio | 11.70% | 33th pct | 36th pct |
| Return on average assets | 0.97% | 67th pct | 66th pct |
| Net interest margin | 4.13% | 64th pct | 57th pct |
| Cost of funds | 0.33% | 22th pct | 25th pct |
| Loan-to-share | 61.75% | 57th pct | 48th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 57th pct |
| Net charge-off ratio | 1.13% | 88th pct | 90th pct |
| Loan growth YoY | -5.90% | 24th pct | 20th pct |
| Share growth YoY | 0.21% | 28th pct | 26th pct |
| Efficiency ratio | 78.80% | 46th pct | 34th pct |
structural peer set hash: 8019c3c472eb380faf2dbff335dfb88f… (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.