MERITUS
Charter #9643 · LAFAYETTE, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,654 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.10% sits at the 16th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.04% 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 | MERITUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $249.48M | 63th pct | 59th pct |
| Members | 23,654 | 86th pct | 77th pct |
| Net worth ratio | 13.16% | 70th pct | 72th pct |
| Return on average assets | 0.10% | 12th pct | 16th pct |
| Net interest margin | 3.82% | 62th pct | 51th pct |
| Cost of funds | 0.91% | 33th pct | 34th pct |
| Loan-to-share | 77.07% | 60th pct | 51th pct |
| Delinquency 60+ days | 0.53% | 44th pct | 41th pct |
| Net charge-off ratio | 0.73% | 80th pct | 69th pct |
| Loan growth YoY | 3.42% | 78th pct | 84th pct |
| Share growth YoY | 2.34% | 32th pct | 34th pct |
| Efficiency ratio | 94.04% | 93th pct | 90th pct |
structural peer set hash: c1df9e394cd7ffec143a9f89f756ea71… (reproducible)
Closest structural peers
This is the free public view
Claim MERITUS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.