Lake Charles, LA · Charter 10353
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
32
Profitability
19
Liquidity
79
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lake Charles, LA · Charter 10353
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | -0.23% | 0.07% | -0.17% | -0.04% | 0.00% | 0.06% | 0.15% | +33 bps | |
| Return on Equity | -2.98% | -2.43% | 0.79% | -1.72% | -0.44% | 0.02% | 0.57% | 1.57% | +330 bps | |
| Net Interest Margin | 2.38% | 2.31% | 2.05% | 2.53% | 2.72% | 2.64% | 2.71% | 2.76% | +23 bps | |
| Efficiency Ratio | 96.22% | 94.88% | 97.66% | 95.40% | 93.87% | 94.77% | 95.52% | 93.33% | -207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.45% | 3.87% | 5.85% | -7.01% | -8.91% | -5.94% | -6.36% | 3.16% | +1,016 bps | |
| Loan Growth (YoY) | 3.65% | 0.40% | 1.53% | -2.29% | -2.97% | -2.37% | -9.76% | -7.07% | -479 bps | |
| Share Growth (YoY) | 1.86% | 4.60% | 7.08% | -7.41% | -9.71% | -6.52% | -7.01% | 3.31% | +1,072 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 3.71% | 2.58% | 3.17% | 3.36% | 3.25% | 1.04% | 1.88% | -129 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.32% | 9.27% | 9.07% | 9.93% | 10.18% | 9.86% | 9.68% | 9.79% | -14 bps | |
| Net Worth / Assets | 9.32% | 9.27% | 9.07% | 9.93% | 10.18% | 9.86% | 9.68% | 9.79% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.56% | 63.82% | 64.11% | 71.37% | 70.46% | 66.65% | 62.21% | 64.20% | -717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Charles, LA · Charter 10353 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
Return on Assets
0.15%
Rank 44 of 57
Net Interest Margin
2.76%
Rank 53 of 57
Efficiency Ratio
93.27%
Rank 46 of 56
Equity / Assets
9.79%
Rank 50 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.18% | 0.61% | 1.03% | Beats 23% | 44 / 57 | ||
| Return on Equity | 1.56% | 0.88% | 3.71% | 5.62% | Beats 28% | 41 / 57 | ||
| Net Interest Margin | 2.76% | 3.51% | 3.94% | 4.60% | Beats 7% | 53 / 57 | ||
| Efficiency Ratio | 93.27% | 76.49% | 84.29% | 92.65% | Beats 20% | 46 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.88% | 0.35% | 1.18% | 2.04% | Beats 32% | 40 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.79% | 11.86% | 15.46% | 23.44% | Beats 12% | 50 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.79% | 11.86% | 15.46% | 23.44% | Beats 12% | 50 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.20% | 55.77% | 71.07% | 79.18% | 39th pctl | 35 / 57 | ||
| Loans / Assets | 57.64% | 44.60% | 59.45% | 67.17% | 47th pctl | 30 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||