LIVINGSTON PARISH
Charter #19295 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
LIVINGSTON PARISH has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 7.38% above tier (higher cost structure)
- - Delinquency rate 3.88% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,740
-0.9% YoY-0.3% QoQ
|
-885 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$11.4M
+7.0% YoY-0.2% QoQ
|
$-18.4M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
35th in tier |
| Loans |
$4.9M
+1.1% YoY-3.3% QoQ
|
$-10.9M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
33rd in tier |
| Deposits |
$8.9M
+7.8% YoY+0.3% QoQ
|
$-16.5M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
34th in tier |
| ROA |
0.1%
-91.3% YoY-87.8% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 18.1% in tier |
| NIM |
3.7%
-18.6% YoY-0.3% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
43rd in tier |
| Efficiency Ratio |
88.8%
+4.8% YoY+0.8% QoQ
|
+7.4% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
74th in tier |
| Delinquency Rate |
5.4%
+47.4% YoY+12.3% QoQ
|
+3.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.5% in tier |
| Loan To Share |
54.3%
-6.2% YoY-3.6% QoQ
|
-6.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
39th in tier |
| AMR |
$7,933
+6.3% YoY-0.7% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 19.2% in tier |
| CD Concentration |
27.4%
+204.9% YoY+7.0% QoQ
|
+3.0% |
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
225
Members Per Employee (MPE)
engagement
Value:
580.000
Peer Avg: 365.701
#225 of 2596
Top 8.6% in <100M tier
361
Deposit Growth Rate
growth
Value:
7.80%
Peer Avg: 16.80%
#361 of 2596
Top 13.9% in <100M tier
425
Asset Growth Rate
growth
Value:
7.03%
Peer Avg: 1.82%
#425 of 2596
Top 16.3% in <100M tier
521
AMR Growth Rate
growth
Value:
6.30%
Peer Avg: 4.67%
#521 of 2596
Top 20.0% in <100M tier
531
Net Worth Ratio
risk
Value:
20.53%
Peer Avg: 16.43%
#531 of 2596
Top 20.4% in <100M tier
Top Weaknesses (6 metrics)
2453
Total Delinquency Rate (60+ days)
risk
Value:
5.39%
Peer Avg: 1.51%
#2453 of 2596
Bottom 5.5% in <100M tier
2231
Net Charge-Off Rate
risk
Value:
1.01%
Peer Avg: 0.57%
#2231 of 2596
Bottom 14.1% in <100M tier
2125
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Avg: 0.68%
#2125 of 2596
Bottom 18.2% in <100M tier
2097
Average Member Relationship (AMR)
engagement
Value:
$7,933
Peer Avg: $14,627
#2097 of 2596
Bottom 19.3% in <100M tier
2065
Share Certificate Concentration (%)
balance_sheet
Value:
27.36%
Peer Avg: 15.37%
#2065 of 2596
Bottom 20.5% in <100M tier
2045
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,792
Peer Avg: $5,488
#2045 of 2596
Bottom 21.3% in <100M tier