DEPARTMENT OF CORRECTIONS
Charter #62808 | LA
100M-500M
(1077 CUs)
Micro
($0-$500M)
22 100M-500M in LA
DEPARTMENT OF CORRECTIONS has 11 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 2.1% in tier
- + Organic Growth Engine: Top 2.8% in tier
- + Organic Growth Leader: Top 13.9% in tier
- + Wallet Share Momentum: Top 24.1% in tier
- + Relationship Depth Leader: Top 34.5% in tier
- + ROA 0.96% above tier average
- + Net Interest Margin 1.62% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + Deposit Growth Rate: Top 7.4% in tier
- + Asset Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 3.1% in tier
- - Liquidity Overhang: Bottom 6.1% in tier
- - Cost Spiral: Bottom 21.4% in tier
- - Average Member Relationship (AMR): Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
- - Total Deposits: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,386
+2.9% YoY+0.6% QoQ
|
-1.2K |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
55th in tier |
| Assets |
$123.0M
+11.1% YoY+1.9% QoQ
|
$-108.3M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.9% in tier |
| Loans |
$71.2M
-0.2% YoY+1.2% QoQ
|
$-76.6M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 16.2% in tier |
| Deposits |
$94.2M
+11.9% YoY+1.8% QoQ
|
$-106.1M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.9% in tier |
| ROA |
1.7%
-30.5% YoY-6.2% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 6.2% in tier |
| NIM |
5.2%
-5.2% YoY-2.2% QoQ
|
+1.6% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
74.5%
+9.0% YoY+1.2% QoQ
|
-2.8% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
40th in tier |
| Delinquency Rate |
0.4%
-22.2% YoY+13.1% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
27th in tier |
| Loan To Share |
75.6%
-10.8% YoY-0.6% QoQ
|
+2.9% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
53rd in tier |
| AMR |
$11,498
+3.3% YoY+0.9% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.0% in tier |
| CD Concentration |
22.7%
+4.6% YoY+1.1% QoQ
|
-1.7% |
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 (5)
Emerging Performer
growth
#40 of 627 • Top 2.1% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.75%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.90%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#52 of 603 • Top 2.8% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.90%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.75%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#184 of 430 • Top 13.9% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.90%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#666 of 1006 • Top 24.1% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.33%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#952 of 1006 • Top 34.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.33%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.0K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (3)
Margin Compression
decline
#14 of 136 • Bottom 3.1% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.75%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.77% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$122.96M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#95 of 552 • Bottom 6.1% 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:
22.68%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
75.62%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Cost Spiral
risk
#53 of 62 • Bottom 21.4% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
6.17% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$122.96M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
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: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
15
Net Worth Ratio
risk
Value:
22.68%
Peer Avg: 12.15%
#15 of 1077
Top 1.3% in 100M-500M tier
20
Net Interest Margin (NIM)
profitability
Value:
5.20%
Peer Avg: 3.58%
#20 of 1077
Top 1.8% in 100M-500M tier
67
Return on Assets (ROA)
profitability
Value:
1.75%
Peer Avg: 0.79%
#67 of 1077
Top 6.1% in 100M-500M tier
81
Deposit Growth Rate
growth
Value:
11.87%
Peer Avg: 4.69%
#81 of 1077
Top 7.4% in 100M-500M tier
89
Asset Growth Rate
growth
Value:
11.09%
Peer Avg: 4.70%
#89 of 1077
Top 8.2% in 100M-500M tier
225
Fee Income Per Member
profitability
Value:
$225.32
Peer Avg: $174.31
#225 of 1077
Top 20.8% in 100M-500M tier
225
Member Growth Rate
growth
Value:
2.90%
Peer Avg: 0.72%
#225 of 1077
Top 20.8% in 100M-500M tier
Top Weaknesses (5 metrics)
1066
Average Member Relationship (AMR)
engagement
Value:
$11,498
Peer Avg: $24,363
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1015
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,951
Peer Avg: $10,245
#1015 of 1077
Bottom 5.8% in 100M-500M tier
1013
Total Deposits
balance_sheet
Value:
$94.19M
Peer Avg: $200.29M
#1013 of 1077
Bottom 6.0% in 100M-500M tier
917
Total Assets
balance_sheet
Value:
$122.96M
Peer Avg: $231.30M
#917 of 1077
Bottom 14.9% in 100M-500M tier
902
Total Loans
balance_sheet
Value:
$71.22M
Peer Avg: $147.80M
#902 of 1077
Bottom 16.3% in 100M-500M tier