SOUTHEAST LOUISIANA VETERANS HEALTH

Charter #5839 | LA

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

SOUTHEAST LOUISIANA VETERANS HEALTH has 5 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.58% above tier average
  • + Net Interest Margin 3.00% 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

Key Concerns

Areas that may need attention

  • - Efficiency ratio 2.12% above tier (higher cost structure)
  • - Delinquency rate 0.25% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 981
+2.3% YoY0% QoQ
 -1.6K 2,625
-2.2% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 28th in tier
Assets $3.1M
+6.8% YoY+1.5% QoQ
 $-26.7M $29.9M
+1.1% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Bottom 13.5% in tier
Loans $2.4M
+0.3% YoY-1.8% QoQ
 $-13.3M $15.8M
-2.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 20.4% in tier
Deposits $2.8M
+6.3% YoY+1.5% QoQ
 $-22.7M $25.5M
+0.4% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 14.9% in tier
ROA 1.3%
-6.0% YoY-22.2% QoQ
 +0.6% 0.7%
-731.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 6.9%
-6.6% YoY+1.8% QoQ
 +3.0% 3.9%
+3.8% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 1.5% in tier
Efficiency Ratio 83.5%
+0.1% YoY+6.5% QoQ
 +2.1% 81.4%
-2.4% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 63rd in tier
Delinquency Rate 1.8%
+792.9% YoY-6.6% QoQ
 +0.2 1.5%
-2.0% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 23.3% in tier
Loan To Share 87.7%
-5.6% YoY-3.2% QoQ
 +26.5% 61.2%
-3.0% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Top 13.5% in tier
AMR $5,321
+1.1% YoY-0.1% QoQ
 $-9K $14,627
-2.7% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 10.2% 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 (9 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
40
Net Interest Margin (NIM)
profitability
Value: 6.93%
Peer Avg: 3.93%
#40 of 2596 Top 1.5% in <100M tier
347
Loan-to-Share Ratio
balance_sheet
Value: 87.69%
Peer Avg: 61.23%
#347 of 2596 Top 13.3% in <100M tier
396
Member Growth Rate
growth
Value: 2.29%
Peer Avg: 14.92%
#396 of 2596 Top 15.2% in <100M tier
412
Members Per Employee (MPE)
engagement
Value: 490.500
Peer Avg: 365.701
#412 of 2596 Top 15.8% in <100M tier
447
Asset Growth Rate
growth
Value: 6.83%
Peer Avg: 1.82%
#447 of 2596 Top 17.2% in <100M tier
487
Deposit Growth Rate
growth
Value: 6.25%
Peer Avg: 16.80%
#487 of 2596 Top 18.7% in <100M tier

Top Weaknesses (6 metrics)

2331
Average Member Relationship (AMR)
engagement
Value: $5,321
Peer Avg: $14,627
#2331 of 2596 Bottom 10.2% in <100M tier
2246
Total Assets
balance_sheet
Value: $3.13M
Peer Avg: $29.86M
#2246 of 2596 Bottom 13.5% in <100M tier
2209
Total Deposits
balance_sheet
Value: $2.78M
Peer Avg: $25.45M
#2209 of 2596 Bottom 14.9% in <100M tier
2134
Loan-to-Member Ratio (LMR)
engagement
Value: $2,486
Peer Avg: $5,488
#2134 of 2596 Bottom 17.8% in <100M tier
2066
Total Loans
balance_sheet
Value: $2.44M
Peer Avg: $15.77M
#2066 of 2596 Bottom 20.5% in <100M tier
1991
Total Delinquency Rate (60+ days)
risk
Value: 1.76%
Peer Avg: 1.51%
#1991 of 2596 Bottom 23.3% in <100M tier