ARABI SUGAR WORKERS
Charter #19985 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
ARABI SUGAR WORKERS has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.18% 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
- + Net Charge-Off Rate: Top 0.5% in tier
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 9.92% above tier (higher cost structure)
- - Delinquency rate 5.55% above tier average
- - Member decline: -4.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Total Members: Bottom 7.3% in tier
- - Total Deposits: Bottom 7.8% in tier
- - Members Per Employee (MPE): Bottom 8.9% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
277
-4.2% YoY-1.8% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 7.2% in tier |
| Assets |
$1.9M
+4.2% YoY+1.6% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.6% in tier |
| Loans |
$1.4M
-9.1% YoY-2.4% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.8% in tier |
| Deposits |
$1.1M
+8.2% YoY+2.6% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.7% in tier |
| ROA |
0.5%
-55.9% YoY-5.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
39th in tier |
| NIM |
6.1%
+2.1% YoY-5.3% QoQ
|
+2.2% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
91.3%
+14.6% YoY-0.0% QoQ
|
+9.9% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 21.2% in tier |
| Delinquency Rate |
7.1%
-25.4% YoY+25.2% QoQ
|
+5.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.6% in tier |
| Loan To Share |
119.5%
-16.0% YoY-4.8% QoQ
|
+58.2% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 0.8% in tier |
| AMR |
$9,038
+2.3% YoY+1.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 24.2% 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
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
13
Net Charge-Off Rate
risk
Value:
-0.81%
Peer Avg: 0.57%
#13 of 2596
Top 0.5% in <100M tier
17
Loan-to-Share Ratio
balance_sheet
Value:
119.47%
Peer Avg: 61.23%
#17 of 2596
Top 0.6% in <100M tier
59
Net Worth Ratio
risk
Value:
40.50%
Peer Avg: 16.43%
#59 of 2596
Top 2.2% in <100M tier
95
Net Interest Margin (NIM)
profitability
Value:
6.11%
Peer Avg: 3.93%
#95 of 2596
Top 3.6% in <100M tier
325
Deposit Growth Rate
growth
Value:
8.22%
Peer Avg: 16.80%
#325 of 2596
Top 12.5% in <100M tier
Top Weaknesses (11 metrics)
2504
Total Delinquency Rate (60+ days)
risk
Value:
7.06%
Peer Avg: 1.51%
#2504 of 2596
Bottom 3.6% in <100M tier
2407
Total Members
engagement
Value:
277
Peer Avg: 2,626
#2407 of 2596
Bottom 7.3% in <100M tier
2395
Total Deposits
balance_sheet
Value:
$1.14M
Peer Avg: $25.45M
#2395 of 2596
Bottom 7.8% in <100M tier
2365
Members Per Employee (MPE)
engagement
Value:
138.500
Peer Avg: 365.701
#2365 of 2596
Bottom 8.9% in <100M tier
2347
Total Assets
balance_sheet
Value:
$1.93M
Peer Avg: $29.86M
#2347 of 2596
Bottom 9.6% in <100M tier
2239
Total Loans
balance_sheet
Value:
$1.36M
Peer Avg: $15.77M
#2239 of 2596
Bottom 13.8% in <100M tier
2047
Efficiency Ratio
profitability
Value:
91.31%
Peer Avg: 81.39%
#2047 of 2596
Bottom 21.2% in <100M tier
2026
Member Growth Rate
growth
Value:
-4.15%
Peer Avg: 14.92%
#2026 of 2596
Bottom 22.0% in <100M tier
2020
Fee Income Per Member
profitability
Value:
$14.07
Peer Avg: $182.96
#2020 of 2596
Bottom 22.2% in <100M tier
1976
Loan Growth Rate
growth
Value:
-9.11%
Peer Avg: 59.01%
#1976 of 2596
Bottom 23.9% in <100M tier