James Ward, Jr.

JENNINGS, LA · 1 · Charter #14537
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
$1.9M
12th percentile
Members
483
17th percentile
Total loans
$1.2M
16th percentile
Total shares
$1.3M
11th percentile

Profitability

Return on assets
1.28%
71th percentile
Net interest margin
5.20%
87th percentile
Efficiency ratio
74.91%
33th percentile
Non-interest income ratio
5.48%
35th percentile

Capital & Risk

Net worth ratio
33.51%
95th percentile
Delinquency rate
5.61%
6th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
91.98%
89th percentile

Growth

Member growth YoY
0.42%
72th percentile
Asset growth YoY
-3.24%
24th percentile
Loan growth YoY
4.01%
76th percentile
Share growth YoY
-6.39%
16th percentile

Operations

Members / branch
161
6th percentile
Assets / member
$3,934
10th percentile
Field of membership penetration
80.50%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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