ST. MARY PARISH SCHOOL EMP.

Charter #22417 | LA

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

ST. MARY PARISH SCHOOL EMP. has 7 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.28% above tier average
  • + Net Interest Margin 1.06% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + 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 2.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 0.59% above tier (higher cost structure)
  • - Member decline: -5.1% YoY
  • - Deposit Growth Rate: Bottom 2.0% in tier
  • - Average Member Relationship (AMR): Bottom 2.2% in tier
  • - Asset Growth Rate: Bottom 2.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
  • - Total Loans: Bottom 3.0% in tier
  • - Total Assets: Bottom 3.0% in tier
  • - Total Deposits: Bottom 3.1% in tier
  • - AMR Growth Rate: Bottom 6.5% in tier
  • - Total Members: Bottom 6.9% in tier
  • - Loan-to-Share Ratio: Bottom 7.5% in tier
  • - Members Per Employee (MPE): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 261
-5.1% YoY-2.2% QoQ
 -2.4K 2,625
-2.2% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 6.8% in tier
Assets $447,514
-13.2% YoY-1.4% QoQ
 $-29.4M $29.9M
+1.1% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 3.0% in tier
Loans $91,792
-8.3% YoY+73.5% QoQ
 $-15.7M $15.8M
-2.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.9% in tier
Deposits $346,400
-17.6% YoY-2.6% QoQ
 $-25.1M $25.5M
+0.4% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 3.0% in tier
ROA 1.0%
-47.1% YoY+108.6% QoQ
 +0.3% 0.7%
-731.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 5.0%
-1.1% YoY+2.7% QoQ
 +1.1% 3.9%
+3.8% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 14.3% in tier
Efficiency Ratio 82.0%
+23.8% YoY-9.5% QoQ
 +0.6% 81.4%
-2.4% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 59th in tier
Delinquency Rate 0.0% -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 26.5%
+11.4% YoY+78.1% QoQ
 -34.7% 61.2%
-3.0% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Bottom 7.3% in tier
AMR $1,679
-11.3% YoY+9.7% QoQ
 $-13K $14,627
-2.7% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 2.2% 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)

Comparing against 2596 peers in tier

Top Strengths (7 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
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
69
Net Charge-Off Rate
risk
Value: -0.21%
Peer Avg: 0.57%
#69 of 2596 Top 2.6% in <100M tier
370
Net Interest Margin (NIM)
profitability
Value: 4.99%
Peer Avg: 3.93%
#370 of 2596 Top 14.2% in <100M tier
422
Net Worth Ratio
risk
Value: 22.18%
Peer Avg: 16.43%
#422 of 2596 Top 16.2% in <100M tier

Top Weaknesses (13 metrics)

2545
Deposit Growth Rate
growth
Value: -17.64%
Peer Avg: 16.80%
#2545 of 2596 Bottom 2.0% in <100M tier
2539
Average Member Relationship (AMR)
engagement
Value: $1,679
Peer Avg: $14,627
#2539 of 2596 Bottom 2.2% in <100M tier
2527
Asset Growth Rate
growth
Value: -13.23%
Peer Avg: 1.82%
#2527 of 2596 Bottom 2.7% in <100M tier
2527
Loan-to-Member Ratio (LMR)
engagement
Value: $351.69
Peer Avg: $5,488
#2527 of 2596 Bottom 2.7% in <100M tier
2520
Total Loans
balance_sheet
Value: $91,792
Peer Avg: $15.77M
#2520 of 2596 Bottom 3.0% in <100M tier
2519
Total Assets
balance_sheet
Value: $447,514
Peer Avg: $29.86M
#2519 of 2596 Bottom 3.0% in <100M tier
2517
Total Deposits
balance_sheet
Value: $346,400
Peer Avg: $25.45M
#2517 of 2596 Bottom 3.1% in <100M tier
2427
AMR Growth Rate
growth
Value: -11.33%
Peer Avg: 4.67%
#2427 of 2596 Bottom 6.5% in <100M tier
2419
Total Members
engagement
Value: 261
Peer Avg: 2,626
#2419 of 2596 Bottom 6.9% in <100M tier
2403
Loan-to-Share Ratio
balance_sheet
Value: 26.50%
Peer Avg: 61.23%
#2403 of 2596 Bottom 7.5% in <100M tier