CARTER
Charter #9164 · SPRINGHILL, LA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 34,100 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 8.73% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.17% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.86% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 3.37% sits at the 97th 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 | CARTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $751.87M | 59th pct | 39th pct |
| Members | 34,100 | 27th pct | 23th pct |
| Net worth ratio | 8.73% | 14th pct | 25th pct |
| Return on average assets | 1.17% | 82th pct | 95th pct |
| Net interest margin | 2.86% | 14th pct | 23th pct |
| Cost of funds | 3.37% | 100th pct | 97th pct |
| Loan-to-share | 96.00% | 92th pct | 84th pct |
| Delinquency 60+ days | 2.85% | 100th pct | 97th pct |
| Net charge-off ratio | 1.02% | 89th pct | 97th pct |
| Loan growth YoY | -4.25% | 5th pct | 5th pct |
| Share growth YoY | 3.18% | 39th pct | 52th pct |
| Efficiency ratio | 63.92% | 12th pct | 5th pct |
structural peer set hash: 888e313c38b7bd393dbc1bfba07ee287… (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.