FOURTH WARD
Charter #7877 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
FOURTH WARD has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.18% above tier average
- + Net Interest Margin 3.93% 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
- + Efficiency Ratio: Top 0.8% in tier
- + Member Growth Rate: Top 7.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.21% above tier average
- - Fee Income Per Member: Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
- - Total Assets: Bottom 5.0% in tier
- - Total Members: Bottom 5.5% in tier
- - Total Deposits: Bottom 5.7% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - Total Loans: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
231
+4.5% YoY+3.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.5% in tier |
| Assets |
$905,097
-8.9% YoY+1.1% QoQ
|
$-29.0M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.0% in tier |
| Loans |
$517,066
-5.9% YoY-3.3% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.8% in tier |
| Deposits |
$752,946
-11.2% YoY-0.2% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.6% in tier |
| ROA |
5.9%
+9.7% YoY-1.5% QoQ
|
+5.2% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 0.6% in tier |
| NIM |
7.9%
+10.9% YoY+2.4% QoQ
|
+3.9% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
25.4%
+3.4% YoY+13.1% QoQ
|
-56.0% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
4.7%
+252.7% YoY+3.2% QoQ
|
+3.2 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 6.5% in tier |
| Loan To Share |
68.7%
+6.0% YoY-3.1% QoQ
|
+7.4% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
60th in tier |
| AMR |
$5,498
-13.0% YoY-4.5% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.6% 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)
Top Strengths (8 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
15
Return on Assets (ROA)
profitability
Value:
5.87%
Peer Avg: 0.68%
#15 of 2596
Top 0.5% in <100M tier
15
Net Interest Margin (NIM)
profitability
Value:
7.87%
Peer Avg: 3.93%
#15 of 2596
Top 0.5% in <100M tier
21
Efficiency Ratio
profitability
Value:
25.44%
Peer Avg: 81.39%
#21 of 2596
Top 0.8% in <100M tier
196
Member Growth Rate
growth
Value:
4.52%
Peer Avg: 14.92%
#196 of 2596
Top 7.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (12 metrics)
2470
Fee Income Per Member
profitability
Value:
$0.09
Peer Avg: $182.96
#2470 of 2596
Bottom 4.9% in <100M tier
2467
AMR Growth Rate
growth
Value:
-13.01%
Peer Avg: 4.67%
#2467 of 2596
Bottom 5.0% in <100M tier
2467
Total Assets
balance_sheet
Value:
$905,097
Peer Avg: $29.86M
#2467 of 2596
Bottom 5.0% in <100M tier
2454
Total Members
engagement
Value:
231
Peer Avg: 2,626
#2454 of 2596
Bottom 5.5% in <100M tier
2450
Total Deposits
balance_sheet
Value:
$752,946
Peer Avg: $25.45M
#2450 of 2596
Bottom 5.7% in <100M tier
2439
Deposit Growth Rate
growth
Value:
-11.16%
Peer Avg: 16.80%
#2439 of 2596
Bottom 6.1% in <100M tier
2427
Total Delinquency Rate (60+ days)
risk
Value:
4.72%
Peer Avg: 1.51%
#2427 of 2596
Bottom 6.5% in <100M tier
2425
Asset Growth Rate
growth
Value:
-8.93%
Peer Avg: 1.82%
#2425 of 2596
Bottom 6.6% in <100M tier
2394
Total Loans
balance_sheet
Value:
$517,066
Peer Avg: $15.77M
#2394 of 2596
Bottom 7.8% in <100M tier
2322
Average Member Relationship (AMR)
engagement
Value:
$5,498
Peer Avg: $14,627
#2322 of 2596
Bottom 10.6% in <100M tier