Heart of Louisiana

PINEVILLE, LA · 1 · Charter #10164 · www.heartcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$141.5M
69th percentile
Members
16,347
93th percentile
Total loans
$77.7M
63th percentile
Total shares
$115.4M
66th percentile

Profitability

Return on assets
1.23%
64th percentile
Net interest margin
4.58%
90th percentile
Efficiency ratio
78.46%
9th percentile
Non-interest income ratio
28.94%
91th percentile

Capital & Risk

Net worth ratio
16.67%
85th percentile
Delinquency rate
0.41%
72th percentile
Net charge-off rate
0.53%
30th percentile
Loan-to-share
67.29%
48th percentile

Growth

Member growth YoY
-0.81%
47th percentile
Asset growth YoY
6.86%
75th percentile
Loan growth YoY
10.76%
89th percentile
Share growth YoY
4.68%
62th percentile

Operations

Members / branch
4,087
71th percentile
Assets / member
$8,657
6th percentile
Field of membership penetration
4.84%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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