G. C. A.

LAKE CHARLES, LA · 1 · Charter #20529
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
$4.2M
21th percentile
Members
782
29th percentile
Total loans
$988.7K
14th percentile
Total shares
$3.0M
20th percentile

Profitability

Return on assets
0.92%
55th percentile
Net interest margin
4.30%
62th percentile
Efficiency ratio
73.45%
36th percentile
Non-interest income ratio
4.21%
30th percentile

Capital & Risk

Net worth ratio
29.27%
92th percentile
Delinquency rate
1.39%
33th percentile
Net charge-off rate
0.22%
50th percentile
Loan-to-share
33.41%
15th percentile

Growth

Member growth YoY
-4.05%
24th percentile
Asset growth YoY
-6.11%
13th percentile
Loan growth YoY
-5.07%
41th percentile
Share growth YoY
-9.53%
9th percentile

Operations

Members / branch
782
37th percentile
Assets / member
$5,358
18th percentile
Field of membership penetration
22.34%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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