LA CAPITOL

Charter #14568 | LA

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in LA

LA CAPITOL has 3 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.02% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Fee Income Per Member: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 11.1% in tier
  • - Institutional Decline: Bottom 22.6% in tier
  • - Stagnation Risk: Bottom 24.8% in tier
  • - Membership Headwinds: Bottom 29.4% in tier
  • - Liquidity Overhang: Bottom 32.8% in tier
  • - Delinquency rate 0.42% above tier average
  • - Indirect Auto Concentration (%): Bottom 2.7% in tier
  • - Net Charge-Off Rate: Bottom 4.5% in tier
  • - Total Assets: Bottom 6.2% in tier
  • - Total Deposits: Bottom 8.0% in tier
  • - Deposit Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 52,703
-0.9% YoY+0.4% QoQ
 +588 52,114
-2.1% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 51st in tier
Assets $763.0M
+0.2% YoY-1.8% QoQ
 $-96.0M $859.0M
+0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 5.4% in tier
Loans $569.5M
-2.6% YoY-1.1% QoQ
 $-33.8M $603.4M
+1.0% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 32nd in tier
Deposits $634.3M
-0.3% YoY-0.8% QoQ
 $-99.9M $734.2M
+0.9% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 7.1% in tier
ROA 0.7%
+31.6% YoY-12.8% QoQ
 +0.0% 0.7%
+27.6% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 54th in tier
NIM 3.5%
+10.7% YoY+1.1% QoQ
 +0.2% 3.4%
+9.6% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 69.5%
-2.6% YoY+0.1% QoQ
 -5.1% 74.5%
-3.2% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 1.2%
-60.0% YoY-31.9% QoQ
 +0.4 0.8%
+5.0% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 20.5% in tier
Loan To Share 89.8%
-2.3% YoY-0.3% QoQ
 +7.1% 82.7%
+0.1% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 64th in tier
AMR $22,841
-0.5% YoY-1.3% QoQ
 $-6K $28,651
+2.5% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 34th in tier
CD Concentration 26.4%
-6.6% YoY+0.6% QoQ
 +2.0% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 57th in tier
Indirect Auto % 48.6%
+4.1% YoY+1.6% QoQ
 +34.7% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 Top 3.8% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk
#179 of 525 • Bottom 11.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.19%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 48.64%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Institutional Decline

decline
#179 of 256 • Bottom 22.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $762.98M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -0.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.55%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Stagnation Risk

risk
#409 of 550 • Bottom 24.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.73%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.8K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 26.43%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#484 of 550 • Bottom 29.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#508 of 552 • Bottom 32.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.81%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 89.79%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (3 metrics)

8
Fee Income Per Member
profitability
Value: $346.34
Peer Avg: $204.75
#8 of 112 Top 6.2% in 750M-1B tier
26
First Mortgage Concentration (%)
balance_sheet
Value: 21.78%
Peer Avg: 33.64%
#26 of 112 Top 22.3% in 750M-1B tier
28
Net Worth Ratio
risk
Value: 12.81%
Peer Avg: 11.52%
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (9 metrics)

110
Indirect Auto Concentration (%)
balance_sheet
Value: 48.64%
Peer Avg: 16.60%
#110 of 112 Bottom 2.7% in 750M-1B tier
108
Net Charge-Off Rate
risk
Value: 1.76%
Peer Avg: 0.61%
#108 of 112 Bottom 4.5% in 750M-1B tier
106
Total Assets
balance_sheet
Value: $762.98M
Peer Avg: $859.01M
#106 of 112 Bottom 6.2% in 750M-1B tier
104
Total Deposits
balance_sheet
Value: $634.26M
Peer Avg: $734.17M
#104 of 112 Bottom 8.0% in 750M-1B tier
102
Deposit Growth Rate
growth
Value: -0.26%
Peer Avg: 5.03%
#102 of 112 Bottom 9.8% in 750M-1B tier
97
Loan Growth Rate
growth
Value: -2.55%
Peer Avg: 4.84%
#97 of 112 Bottom 14.3% in 750M-1B tier
92
AMR Growth Rate
growth
Value: -0.45%
Peer Avg: 4.90%
#92 of 112 Bottom 18.8% in 750M-1B tier
90
Total Delinquency Rate (60+ days)
risk
Value: 1.24%
Peer Avg: 0.82%
#90 of 112 Bottom 20.5% in 750M-1B tier
87
Asset Growth Rate
growth
Value: 0.19%
Peer Avg: 4.25%
#87 of 112 Bottom 23.2% in 750M-1B tier