705

Lafayette, LA · 1 · Charter #18749 · www.705fcu.com
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
$43.6M
94th percentile
Members
3,729
92th percentile
Total loans
$31.8M
98th percentile
Total shares
$38.8M
97th percentile

Profitability

Return on assets
0.14%
21th percentile
Net interest margin
3.27%
26th percentile
Efficiency ratio
75.00%
33th percentile
Non-interest income ratio
27.08%
92th percentile

Capital & Risk

Net worth ratio
7.69%
4th percentile
Delinquency rate
2.85%
16th percentile
Net charge-off rate
0.54%
30th percentile
Loan-to-share
82.03%
79th percentile

Growth

Member growth YoY
2.11%
84th percentile
Asset growth YoY
-1.56%
32th percentile
Loan growth YoY
-0.96%
59th percentile
Share growth YoY
-0.39%
44th percentile

Operations

Members / branch
3,729
96th percentile
Assets / member
$11,698
69th percentile
Field of membership penetration
67.80%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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