CENLA

Charter #15602 | LA

100M-500M (1077 CUs) Micro
22 100M-500M in LA

CENLA has 8 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 11.0% in tier
  • + Wallet Share Momentum: Top 25.0% in tier
  • + Relationship Depth Leader: Top 33.8% in tier
  • + ROA 1.76% above tier average
  • + Net Interest Margin 0.18% above tier average
  • + Net Worth Ratio: Top 2.0% in tier
  • + Efficiency Ratio: Top 2.4% in tier
  • + Total Delinquency Rate (60+ days): Top 4.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.7% in tier
  • - Stagnation Risk: Bottom 8.3% in tier
  • - Membership Headwinds: Bottom 17.3% in tier
  • - Institutional Decline: Bottom 22.2% in tier
  • - Member decline: -2.4% YoY
  • - Total Loans: Bottom 3.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
  • - Loan-to-Share Ratio: Bottom 6.0% in tier
  • - Total Deposits: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 9,448
-2.4% YoY-1.1% QoQ
 -6.2K 15,628
-3.4% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $125.0M
+6.3% YoY-0.7% QoQ
 $-106.3M $231.3M
-0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 16.9% in tier
Loans $43.8M
-5.7% YoY-2.6% QoQ
 $-104.0M $147.8M
-1.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.9% in tier
Deposits $98.7M
+3.8% YoY-1.6% QoQ
 $-101.6M $200.3M
-0.0% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 9.6% in tier
ROA 2.5%
+54.6% YoY-6.0% QoQ
 +1.8% 0.8%
+15.5% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 Top 1.1% in tier
NIM 3.8%
-4.0% YoY+2.0% QoQ
 +0.2% 3.6%
+6.9% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 60th in tier
Efficiency Ratio 50.3%
-19.3% YoY+2.7% QoQ
 -26.9% 77.3%
-3.0% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 Bottom 2.4% in tier
Delinquency Rate 0.1%
-77.7% YoY-22.7% QoQ
 -0.8 0.9%
+7.6% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Bottom 4.3% in tier
Loan To Share 44.4%
-9.1% YoY-1.1% QoQ
 -28.3% 72.7%
-1.5% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Bottom 5.9% in tier
AMR $15,090
+3.2% YoY-0.9% QoQ
 $-9K $24,363
+2.9% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 9.9% in tier
CD Concentration 13.7%
+2.4% YoY+1.0% QoQ
 -10.7% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0%
-50.9% YoY-25.6% QoQ
 -13.9% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#208 of 627 • Top 11.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 2.55%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.43%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#690 of 1006 • Top 25.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.15%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#933 of 1006 • Top 33.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.15%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Liquidity Overhang

risk
#11 of 552 • Bottom 0.7% 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: 21.73%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 44.41%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Stagnation Risk

risk
#138 of 550 • Bottom 8.3% 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: 2.55%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $15.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 13.74%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#285 of 550 • Bottom 17.3% in tier

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

Why This Signature
Member Growth (YoY): -2.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#176 of 256 • Bottom 22.2% in tier

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

Why This Signature
Total Assets: $124.98M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.70%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (8 metrics)

12
Return on Assets (ROA)
profitability
Value: 2.55%
Peer Avg: 0.79%
#12 of 1077 Top 1.0% in 100M-500M tier
23
Net Worth Ratio
risk
Value: 21.73%
Peer Avg: 12.15%
#23 of 1077 Top 2.0% in 100M-500M tier
27
Efficiency Ratio
profitability
Value: 50.34%
Peer Avg: 77.28%
#27 of 1077 Top 2.4% in 100M-500M tier
47
Total Delinquency Rate (60+ days)
risk
Value: 0.10%
Peer Avg: 0.86%
#47 of 1077 Top 4.3% in 100M-500M tier
153
First Mortgage Concentration (%)
balance_sheet
Value: 11.28%
Peer Avg: 30.43%
#153 of 1077 Top 14.1% in 100M-500M tier
154
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#154 of 1077 Top 14.2% in 100M-500M tier
201
Share Certificate Concentration (%)
balance_sheet
Value: 13.74%
Peer Avg: 23.61%
#201 of 1077 Top 18.6% in 100M-500M tier
269
Members Per Employee (MPE)
engagement
Value: 377.920
Peer Avg: 332.881
#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1046
Total Loans
balance_sheet
Value: $43.84M
Peer Avg: $147.80M
#1046 of 1077 Bottom 3.0% in 100M-500M tier
1030
Loan-to-Member Ratio (LMR)
engagement
Value: $4,640
Peer Avg: $10,245
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1013
Loan-to-Share Ratio
balance_sheet
Value: 44.41%
Peer Avg: 72.70%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
974
Total Deposits
balance_sheet
Value: $98.72M
Peer Avg: $200.29M
#974 of 1077 Bottom 9.7% in 100M-500M tier
970
Average Member Relationship (AMR)
engagement
Value: $15,090
Peer Avg: $24,363
#970 of 1077 Bottom 10.0% in 100M-500M tier
964
Loan Growth Rate
growth
Value: -5.70%
Peer Avg: 3.45%
#964 of 1077 Bottom 10.6% in 100M-500M tier
895
Total Assets
balance_sheet
Value: $124.98M
Peer Avg: $231.30M
#895 of 1077 Bottom 17.0% in 100M-500M tier
836
Member Growth Rate
growth
Value: -2.43%
Peer Avg: 0.72%
#836 of 1077 Bottom 22.5% in 100M-500M tier