ACADIANA MEDICAL
Charter #19249 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
ACADIANA MEDICAL has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.28% above tier average
- + Net Interest Margin 0.81% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
- - Deposit Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,445
-3.2% YoY-0.5% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
39th in tier |
| Assets |
$13.5M
-6.3% YoY-2.5% QoQ
|
$-16.4M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$6.6M
-11.1% YoY-3.3% QoQ
|
$-9.2M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
40th in tier |
| Deposits |
$10.1M
-10.4% YoY-3.7% QoQ
|
$-15.3M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
2.0%
+3.9% YoY-7.5% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 9.6% in tier |
| NIM |
4.7%
+5.6% YoY+1.6% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 19.8% in tier |
| Efficiency Ratio |
64.5%
+15.5% YoY+5.2% QoQ
|
-16.9% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 20.8% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
65.2%
-0.8% YoY+0.5% QoQ
|
+3.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
55th in tier |
| AMR |
$11,588
-7.7% YoY-3.1% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
37th 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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
218
Net Charge-Off Rate
risk
Value:
-0.01%
Peer Avg: 0.57%
#218 of 2596
Top 8.4% in <100M tier
248
Return on Assets (ROA)
profitability
Value:
1.97%
Peer Avg: 0.68%
#248 of 2596
Top 9.5% in <100M tier
298
Net Worth Ratio
risk
Value:
24.64%
Peer Avg: 16.43%
#298 of 2596
Top 11.4% in <100M tier
515
Net Interest Margin (NIM)
profitability
Value:
4.75%
Peer Avg: 3.93%
#515 of 2596
Top 19.8% in <100M tier
542
Efficiency Ratio
profitability
Value:
64.53%
Peer Avg: 81.39%
#542 of 2596
Top 20.8% in <100M tier
Top Weaknesses (6 metrics)
2418
Deposit Growth Rate
growth
Value:
-10.39%
Peer Avg: 16.80%
#2418 of 2596
Bottom 6.9% in <100M tier
2311
Asset Growth Rate
growth
Value:
-6.25%
Peer Avg: 1.82%
#2311 of 2596
Bottom 11.0% in <100M tier
2309
AMR Growth Rate
growth
Value:
-7.72%
Peer Avg: 4.67%
#2309 of 2596
Bottom 11.1% in <100M tier
2124
Loan Growth Rate
growth
Value:
-11.14%
Peer Avg: 59.01%
#2124 of 2596
Bottom 18.2% in <100M tier
2093
First Mortgage Concentration (%)
balance_sheet
Value:
31.02%
Peer Avg: 14.49%
#2093 of 2596
Bottom 19.4% in <100M tier
1976
Members Per Employee (MPE)
engagement
Value:
240.833
Peer Avg: 365.701
#1976 of 2596
Bottom 23.9% in <100M tier