Cogic

Lafayette, LA · 2 · Charter #65780 · www.COGICCU.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$370.1K
3th percentile
Members
246
8th percentile
Total loans
$248.3K
6th percentile
Total shares
$345.5K
4th percentile

Profitability

Return on assets
-2.35%
3th percentile
Net interest margin
5.36%
90th percentile
Efficiency ratio
99.31%
7th percentile
Non-interest income ratio
52.51%
98th percentile

Capital & Risk

Net worth ratio
6.65%
1th percentile
Delinquency rate
1.95%
25th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
71.88%
66th percentile

Growth

Member growth YoY
-9.23%
7th percentile
Asset growth YoY
-18.10%
1th percentile
Loan growth YoY
-14.47%
13th percentile
Share growth YoY
-17.46%
2th percentile

Operations

Members / branch
123
3th percentile
Assets / member
$1,504
2th percentile
Field of membership penetration
24.60%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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