EAGLE LOUISIANA

Charter #24661 | LA

100M-500M (1077 CUs) Micro
22 100M-500M in LA

EAGLE LOUISIANA has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 15.8% in tier
  • + Organic Growth Engine: Top 25.6% in tier
  • + Net Interest Margin 1.16% above tier average

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 10.3% in tier
  • - Efficiency Drag: Bottom 22.2% in tier
  • - Indirect Auto Dependency: Bottom 23.2% in tier
  • - Liquidity Overhang: Bottom 34.7% in tier
  • - ROA 0.47% below tier average
  • - Efficiency ratio 7.31% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 5.5% in tier
  • - AMR Growth Rate: Bottom 7.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 15,276
+4.2% YoY+0.6% QoQ
 -352 15,628
-3.4% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 58th in tier
Assets $123.9M
+1.7% YoY-0.8% QoQ
 $-107.4M $231.3M
-0.0% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 16.0% in tier
Loans $97.7M
+0.1% YoY+1.3% QoQ
 $-50.1M $147.8M
-1.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $111.7M
+1.2% YoY-0.8% QoQ
 $-88.6M $200.3M
-0.0% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 19.0% in tier
ROA 0.3%
-43.0% YoY-45.7% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 Bottom 19.6% in tier
NIM 4.7%
+4.6% YoY+2.5% QoQ
 +1.2% 3.6%
+6.9% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 5.1% in tier
Efficiency Ratio 84.6%
+7.5% YoY+5.8% QoQ
 +7.3% 77.3%
-3.0% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 Top 24.6% in tier
Delinquency Rate 0.4%
-35.7% YoY-15.7% QoQ
 -0.5 0.9%
+7.6% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Bottom 23.3% in tier
Loan To Share 87.5%
-1.1% YoY+2.1% QoQ
 +14.8% 72.7%
-1.5% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 20.2% in tier
AMR $13,708
-3.4% YoY-0.4% QoQ
 $-11K $24,363
+2.9% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 5.4% in tier
CD Concentration 32.0%
+3.9% YoY+0.8% QoQ
 +7.6% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 35.1%
-8.6% YoY-1.5% QoQ
 +21.1% 14.0%
-5.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#297 of 627 • Top 15.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.32%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 4.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#470 of 603 • Top 25.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.32%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 35.08%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Shrinking Wallet Share

decline
#104 of 244 • Bottom 10.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.36%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY

Efficiency Drag

risk
#392 of 521 • Bottom 22.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.59%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.24% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.22%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#374 of 525 • Bottom 23.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.68%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 35.08%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.22%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#537 of 552 • Bottom 34.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.15%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 87.53%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (5 metrics)

55
Net Interest Margin (NIM)
profitability
Value: 4.75%
Peer Avg: 3.58%
#55 of 1077 Top 5.0% in 100M-500M tier
134
Member Growth Rate
growth
Value: 4.22%
Peer Avg: 0.72%
#134 of 1077 Top 12.3% in 100M-500M tier
138
First Mortgage Concentration (%)
balance_sheet
Value: 10.21%
Peer Avg: 30.43%
#138 of 1077 Top 12.7% in 100M-500M tier
218
Loan-to-Share Ratio
balance_sheet
Value: 87.53%
Peer Avg: 72.70%
#218 of 1077 Top 20.1% in 100M-500M tier
252
Total Delinquency Rate (60+ days)
risk
Value: 0.36%
Peer Avg: 0.86%
#252 of 1077 Top 23.3% in 100M-500M tier

Top Weaknesses (10 metrics)

1019
Average Member Relationship (AMR)
engagement
Value: $13,708
Peer Avg: $24,363
#1019 of 1077 Bottom 5.5% in 100M-500M tier
999
AMR Growth Rate
growth
Value: -3.36%
Peer Avg: 3.64%
#999 of 1077 Bottom 7.3% in 100M-500M tier
954
Net Charge-Off Rate
risk
Value: 0.91%
Peer Avg: 0.47%
#954 of 1077 Bottom 11.5% in 100M-500M tier
947
Indirect Auto Concentration (%)
balance_sheet
Value: 35.08%
Peer Avg: 13.34%
#947 of 1077 Bottom 12.2% in 100M-500M tier
905
Total Assets
balance_sheet
Value: $123.95M
Peer Avg: $231.30M
#905 of 1077 Bottom 16.1% in 100M-500M tier
895
Loan-to-Member Ratio (LMR)
engagement
Value: $6,399
Peer Avg: $10,245
#895 of 1077 Bottom 17.0% in 100M-500M tier
872
Total Deposits
balance_sheet
Value: $111.67M
Peer Avg: $200.29M
#872 of 1077 Bottom 19.1% in 100M-500M tier
866
Return on Assets (ROA)
profitability
Value: 0.32%
Peer Avg: 0.79%
#866 of 1077 Bottom 19.7% in 100M-500M tier
839
Share Certificate Concentration (%)
balance_sheet
Value: 32.00%
Peer Avg: 23.61%
#839 of 1077 Bottom 22.2% in 100M-500M tier
813
Efficiency Ratio
profitability
Value: 84.59%
Peer Avg: 77.28%
#813 of 1077 Bottom 24.6% in 100M-500M tier