Bayou

BATON ROUGE, LA · 1 · Charter #9931 · www.bayoufcu.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
$82.1M
32th percentile
Members
7,687
50th percentile
Total loans
$57.3M
48th percentile
Total shares
$68.9M
32th percentile

Profitability

Return on assets
0.98%
47th percentile
Net interest margin
3.17%
24th percentile
Efficiency ratio
61.27%
55th percentile
Non-interest income ratio
21.39%
71th percentile

Capital & Risk

Net worth ratio
15.65%
79th percentile
Delinquency rate
0.33%
78th percentile
Net charge-off rate
0.20%
67th percentile
Loan-to-share
83.09%
76th percentile

Growth

Member growth YoY
-1.68%
37th percentile
Asset growth YoY
1.14%
28th percentile
Loan growth YoY
0.40%
45th percentile
Share growth YoY
-0.12%
23th percentile

Operations

Members / branch
1,922
19th percentile
Assets / member
$10,675
18th percentile
Field of membership penetration
30.75%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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