UNION
Charter #7301 · Farmerville, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 568 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -4.09% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 250.01% sits at the 95th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 69th — a 54-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 | UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 596,444 | 11th pct | 46th pct |
| Members | 568 | 49th pct | 92th pct |
| Net worth ratio | 22.77% | 68th pct | 62th pct |
| Return on average assets | -4.09% | 6th pct | 5th pct |
| Net interest margin | 2.66% | 15th pct | 26th pct |
| Cost of funds | 0.06% | 16th pct | 46th pct |
| Loan-to-share | 25.90% | 15th pct | 69th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 54th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -18.26% | 8th pct | 21th pct |
| Share growth YoY | 2.25% | 67th pct | 75th pct |
| Efficiency ratio | 250.01% | 98th pct | 95th pct |
structural peer set hash: 9b38f4e2e771ebbdee42bb466d79584d… (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.