La Terre

HOUMA, LA · 1 · Charter #20002 · www.laterrefcu.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
$25.1M
70th percentile
Members
4,965
98th percentile
Total loans
$22.1M
91th percentile
Total shares
$18.1M
65th percentile

Profitability

Return on assets
0.40%
31th percentile
Net interest margin
5.51%
91th percentile
Efficiency ratio
78.35%
27th percentile
Non-interest income ratio
13.62%
65th percentile

Capital & Risk

Net worth ratio
6.48%
1th percentile
Delinquency rate
0.99%
41th percentile
Net charge-off rate
1.07%
16th percentile
Loan-to-share
122.31%
98th percentile

Growth

Member growth YoY
-1.27%
51th percentile
Asset growth YoY
-1.56%
32th percentile
Loan growth YoY
-2.01%
55th percentile
Share growth YoY
-6.84%
15th percentile

Operations

Members / branch
4,965
99th percentile
Assets / member
$5,047
17th percentile
Field of membership penetration
2.36%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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