DISTRICT 08
Charter #14651 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
DISTRICT 08 has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Delinquency rate 0.18% above tier average
- - Member decline: -11.7% YoY
- - Asset Growth Rate: Bottom 2.3% in tier
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Member Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,511
-11.7% YoY-9.1% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
40th in tier |
| Assets |
$8.7M
-13.7% YoY-6.2% QoQ
|
$-21.1M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
30th in tier |
| Loans |
$6.0M
-11.4% YoY-2.4% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
38th in tier |
| Deposits |
$7.5M
-15.9% YoY-7.6% QoQ
|
$-17.9M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
0.7%
-22.6% YoY+1487.0% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
5.5%
+15.8% YoY+14.4% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
76.4%
-4.9% YoY-2.4% QoQ
|
-5.0% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
45th in tier |
| Delinquency Rate |
1.7%
+498.4% YoY+94.4% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 24.7% in tier |
| Loan To Share |
80.2%
+5.3% YoY+5.7% QoQ
|
+19.0% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 22.2% in tier |
| AMR |
$8,979
-2.6% YoY+4.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 23.8% in tier |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
197
Net Interest Margin (NIM)
profitability
Value:
5.47%
Peer Avg: 3.93%
#197 of 2596
Top 7.6% in <100M tier
573
Loan-to-Share Ratio
balance_sheet
Value:
80.21%
Peer Avg: 61.23%
#573 of 2596
Top 22.0% in <100M tier
Top Weaknesses (6 metrics)
2538
Asset Growth Rate
growth
Value:
-13.74%
Peer Avg: 1.82%
#2538 of 2596
Bottom 2.3% in <100M tier
2534
Deposit Growth Rate
growth
Value:
-15.92%
Peer Avg: 16.80%
#2534 of 2596
Bottom 2.4% in <100M tier
2479
Member Growth Rate
growth
Value:
-11.69%
Peer Avg: 14.92%
#2479 of 2596
Bottom 4.5% in <100M tier
2142
Loan Growth Rate
growth
Value:
-11.44%
Peer Avg: 59.01%
#2142 of 2596
Bottom 17.5% in <100M tier
1979
Average Member Relationship (AMR)
engagement
Value:
$8,979
Peer Avg: $14,627
#1979 of 2596
Bottom 23.8% in <100M tier
1957
Total Delinquency Rate (60+ days)
risk
Value:
1.69%
Peer Avg: 1.51%
#1957 of 2596
Bottom 24.7% in <100M tier