CONCORDIA PARISH SCHOOL EMP

Charter #17396 | LA

<100M (2596 CUs) Micro
108 <100M in LA

CONCORDIA PARISH SCHOOL EMP has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 2.11% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.04% below tier average
  • - Delinquency rate 0.74% above tier average
  • - Net Charge-Off Rate: Bottom 3.0% in tier
  • - Average Member Relationship (AMR): Bottom 5.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 1,369
+0.4% YoY-0.1% QoQ
 -1.3K 2,625
-2.2% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 37th in tier
Assets $3.1M
-3.6% YoY-4.3% QoQ
 $-26.7M $29.9M
+1.1% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 13.4% in tier
Loans $2.1M
-1.7% YoY+6.1% QoQ
 $-13.7M $15.8M
-2.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 18.2% in tier
Deposits $2.8M
-3.5% YoY-5.2% QoQ
 $-22.7M $25.5M
+0.4% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 14.8% in tier
ROA 0.6%
-60.9% YoY+2606.8% QoQ
 -0.0% 0.7%
-731.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 44th in tier
NIM 6.0%
-3.4% YoY+0.8% QoQ
 +2.1% 3.9%
+3.8% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 4.0% in tier
Efficiency Ratio 81.2%
+20.7% YoY-8.1% QoQ
 -0.2% 81.4%
-2.4% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 2.3%
-67.6% YoY+8.3% QoQ
 +0.7 1.5%
-2.0% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 17.4% in tier
Loan To Share 76.0%
+1.8% YoY+12.0% QoQ
 +14.8% 61.2%
-3.0% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $3,557
-3.2% YoY-0.6% QoQ
 $-11K $14,627
-2.7% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 5.5% in tier
CD Concentration 0.0% -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)

Comparing against 2596 peers in tier

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
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#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
104
Net Interest Margin (NIM)
profitability
Value: 6.05%
Peer Avg: 3.93%
#104 of 2596 Top 4.0% in <100M tier

Top Weaknesses (10 metrics)

2520
Net Charge-Off Rate
risk
Value: 3.10%
Peer Avg: 0.57%
#2520 of 2596 Bottom 3.0% in <100M tier
2453
Average Member Relationship (AMR)
engagement
Value: $3,557
Peer Avg: $14,627
#2453 of 2596 Bottom 5.5% in <100M tier
2360
Loan-to-Member Ratio (LMR)
engagement
Value: $1,536
Peer Avg: $5,488
#2360 of 2596 Bottom 9.1% in <100M tier
2247
Total Assets
balance_sheet
Value: $3.12M
Peer Avg: $29.86M
#2247 of 2596 Bottom 13.5% in <100M tier
2213
Total Deposits
balance_sheet
Value: $2.77M
Peer Avg: $25.45M
#2213 of 2596 Bottom 14.8% in <100M tier
2146
Total Delinquency Rate (60+ days)
risk
Value: 2.25%
Peer Avg: 1.51%
#2146 of 2596 Bottom 17.4% in <100M tier
2124
Total Loans
balance_sheet
Value: $2.10M
Peer Avg: $15.77M
#2124 of 2596 Bottom 18.2% in <100M tier
2105
Asset Growth Rate
growth
Value: -3.63%
Peer Avg: 1.82%
#2105 of 2596 Bottom 19.0% in <100M tier
1976
AMR Growth Rate
growth
Value: -3.16%
Peer Avg: 4.67%
#1976 of 2596 Bottom 23.9% in <100M tier
1968
Deposit Growth Rate
growth
Value: -3.47%
Peer Avg: 16.80%
#1968 of 2596 Bottom 24.2% in <100M tier