RICHLAND PARISH SCHOOLS

Charter #22785 | LA

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

RICHLAND PARISH SCHOOLS has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.57% above tier average
  • + Net Interest Margin 1.33% 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 2.1% in tier
  • + Net Worth Ratio: Top 4.1% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 4.65% above tier average
  • - Member decline: -5.6% YoY
  • - Total Members: Bottom 2.5% in tier
  • - Total Deposits: Bottom 3.4% in tier
  • - Total Assets: Bottom 3.6% in tier
  • - Total Loans: Bottom 4.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
  • - Average Member Relationship (AMR): Bottom 7.2% in tier
  • - Members Per Employee (MPE): Bottom 8.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 135
-5.6% YoY+0.7% QoQ
 -2.5K 2,625
-2.2% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 2.4% in tier
Assets $566,603
-3.2% YoY-0.9% QoQ
 $-29.3M $29.9M
+1.1% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 3.5% in tier
Loans $209,231
+2.2% YoY-2.6% QoQ
 $-15.6M $15.8M
-2.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 4.3% in tier
Deposits $374,432
-5.8% YoY-2.1% QoQ
 $-25.1M $25.5M
+0.4% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 3.4% in tier
ROA 1.3%
-214.2% YoY+11.8% QoQ
 +0.6% 0.7%
-731.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 5.3%
+4.5% YoY+0.2% QoQ
 +1.3% 3.9%
+3.8% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 9.9% in tier
Efficiency Ratio 77.0%
+0.9% YoY-2.9% QoQ
 -4.4% 81.4%
-2.4% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 47th in tier
Delinquency Rate 6.2%
+51.3% YoY+30.4% QoQ
 +4.6 1.5%
-2.0% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 4.4% in tier
Loan To Share 55.9%
+8.5% YoY-0.5% QoQ
 -5.4% 61.2%
-3.0% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $4,323
+2.7% YoY-3.0% QoQ
 $-10K $14,627
-2.7% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 7.1% 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 (6 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
55
Net Charge-Off Rate
risk
Value: -0.27%
Peer Avg: 0.57%
#55 of 2596 Top 2.1% in <100M tier
108
Net Worth Ratio
risk
Value: 33.52%
Peer Avg: 16.43%
#108 of 2596 Top 4.1% in <100M tier
257
Net Interest Margin (NIM)
profitability
Value: 5.27%
Peer Avg: 3.93%
#257 of 2596 Top 9.9% in <100M tier

Top Weaknesses (12 metrics)

2533
Total Members
engagement
Value: 135
Peer Avg: 2,626
#2533 of 2596 Bottom 2.5% in <100M tier
2509
Total Deposits
balance_sheet
Value: $374,432
Peer Avg: $25.45M
#2509 of 2596 Bottom 3.4% in <100M tier
2504
Total Assets
balance_sheet
Value: $566,603
Peer Avg: $29.86M
#2504 of 2596 Bottom 3.6% in <100M tier
2485
Total Loans
balance_sheet
Value: $209,231
Peer Avg: $15.77M
#2485 of 2596 Bottom 4.3% in <100M tier
2484
Total Delinquency Rate (60+ days)
risk
Value: 6.15%
Peer Avg: 1.51%
#2484 of 2596 Bottom 4.4% in <100M tier
2411
Average Member Relationship (AMR)
engagement
Value: $4,323
Peer Avg: $14,627
#2411 of 2596 Bottom 7.2% in <100M tier
2371
Members Per Employee (MPE)
engagement
Value: 135.000
Peer Avg: 365.701
#2371 of 2596 Bottom 8.7% in <100M tier
2356
Loan-to-Member Ratio (LMR)
engagement
Value: $1,550
Peer Avg: $5,488
#2356 of 2596 Bottom 9.3% in <100M tier
2322
Fee Income Per Member
profitability
Value: $2.36
Peer Avg: $182.96
#2322 of 2596 Bottom 10.6% in <100M tier
2215
Member Growth Rate
growth
Value: -5.59%
Peer Avg: 14.92%
#2215 of 2596 Bottom 14.7% in <100M tier