BAYOU
Charter #9931 · BATON ROUGE, LA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.50% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 3.45% sits at the 23rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 84.69% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 62nd — a 21-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 | BAYOU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $83.69M | 74th pct | 72th pct |
| Members | 7,644 | 85th pct | 74th pct |
| Net worth ratio | 15.47% | 73th pct | 64th pct |
| Return on average assets | 0.50% | 39th pct | 21th pct |
| Net interest margin | 3.45% | 36th pct | 23th pct |
| Cost of funds | 0.96% | 54th pct | 46th pct |
| Loan-to-share | 80.26% | 84th pct | 62th pct |
| Delinquency 60+ days | 0.25% | 24th pct | 28th pct |
| Net charge-off ratio | 0.18% | 42th pct | 51th pct |
| Loan growth YoY | -1.27% | 53th pct | 39th pct |
| Share growth YoY | 0.81% | 26th pct | 20th pct |
| Efficiency ratio | 84.69% | 65th pct | 82th pct |
structural peer set hash: e82824ad46dda0171e33bbb4978cda8f… (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.