BATON ROUGE TELCO

Charter #1726 | LA

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

BATON ROUGE TELCO has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 32.0% in tier
  • + Total Loans: Top 0.1% in tier
  • + Loan-to-Share Ratio: Top 2.2% in tier
  • + Total Assets: Top 4.4% in tier
  • + Total Members: Top 4.5% in tier
  • + Total Deposits: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 6.8% in tier
  • - Liquidity Strain: Bottom 12.0% in tier
  • - Liquidity Overhang: Bottom 35.6% in tier
  • - ROA 0.33% below tier average
  • - Share Certificate Concentration (%): Bottom 0.8% in tier
  • - Indirect Auto Concentration (%): Bottom 2.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 34,464
+1.3% YoY+0.5% QoQ
 +18.8K 15,628
-3.4% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Top 4.6% in tier
Assets $450.8M
+3.3% YoY+1.2% QoQ
 +$219.5M $231.3M
-0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Top 4.5% in tier
Loans $396.9M
+0.3% YoY+0.2% QoQ
 +$249.1M $147.8M
-1.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 0.2% in tier
Deposits $389.8M
+1.7% YoY+1.2% QoQ
 +$189.5M $200.3M
-0.0% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 4.7% in tier
ROA 0.5%
+20.1% YoY+3.6% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 3.0%
+12.2% YoY+0.0% QoQ
 -0.6% 3.6%
+6.9% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 19.8% in tier
Efficiency Ratio 71.8%
-7.2% YoY-1.0% QoQ
 -5.5% 77.3%
-3.0% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.5%
-16.5% YoY+13.3% QoQ
 -0.4 0.9%
+7.6% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 101.8%
-1.3% YoY-1.0% QoQ
 +29.1% 72.7%
-1.5% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 2.3% in tier
AMR $22,827
-0.3% YoY+0.2% QoQ
 $-2K $24,363
+2.9% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 52.5%
-2.5% YoY+0.1% QoQ
 +28.1% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 60.5%
-0.4% YoY-0.1% QoQ
 +46.5% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#586 of 603 • Top 32.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.32%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.46%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 60.45%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk
#110 of 525 • Bottom 6.8% in tier

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

Why This Signature
Asset Growth (YoY): 3.30%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 60.45%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.32%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Strain

risk
#94 of 258 • Bottom 12.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.82%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.32%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Liquidity Overhang

risk
#551 of 552 • Bottom 35.6% 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: 12.03%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 101.82%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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 (7 metrics)

2
Total Loans
balance_sheet
Value: $396.90M
Peer Avg: $147.80M
#2 of 1077 Top 0.1% in 100M-500M tier
25
Loan-to-Share Ratio
balance_sheet
Value: 101.82%
Peer Avg: 72.70%
#25 of 1077 Top 2.2% in 100M-500M tier
48
Total Assets
balance_sheet
Value: $450.84M
Peer Avg: $231.30M
#48 of 1077 Top 4.4% in 100M-500M tier
50
Total Members
engagement
Value: 34,464
Peer Avg: 15,628
#50 of 1077 Top 4.5% in 100M-500M tier
51
Total Deposits
balance_sheet
Value: $389.80M
Peer Avg: $200.29M
#51 of 1077 Top 4.6% in 100M-500M tier
208
Members Per Employee (MPE)
engagement
Value: 400.744
Peer Avg: 332.881
#208 of 1077 Top 19.2% in 100M-500M tier
228
First Mortgage Concentration (%)
balance_sheet
Value: 15.24%
Peer Avg: 30.43%
#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1069
Share Certificate Concentration (%)
balance_sheet
Value: 52.49%
Peer Avg: 23.61%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1055
Indirect Auto Concentration (%)
balance_sheet
Value: 60.45%
Peer Avg: 13.34%
#1055 of 1077 Bottom 2.1% in 100M-500M tier
909
Net Charge-Off Rate
risk
Value: 0.79%
Peer Avg: 0.47%
#909 of 1077 Bottom 15.7% in 100M-500M tier
867
AMR Growth Rate
growth
Value: -0.34%
Peer Avg: 3.64%
#867 of 1077 Bottom 19.6% in 100M-500M tier
864
Net Interest Margin (NIM)
profitability
Value: 3.01%
Peer Avg: 3.58%
#864 of 1077 Bottom 19.9% in 100M-500M tier