Lake Charles, LA · Charter 10353
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.04% | 0.00% | 0.06% | 0.15% | +33 bps | |
| Return on Equity | -1.72% | -0.44% | 0.02% | 0.57% | 1.57% | +330 bps | |
| Net Interest Margin | 2.53% | 2.72% | 2.64% | 2.71% | 2.76% | +23 bps | |
| Efficiency Ratio | 95.40% | 93.87% | 94.77% | 95.52% | 93.33% | -207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.01% | -8.91% | -5.94% | -6.36% | 3.16% | +1,016 bps | |
| Loan Growth (YoY) | -2.29% | -2.97% | -2.37% | -9.76% | -7.07% | -479 bps | |
| Share Growth (YoY) | -7.41% | -9.71% | -6.52% | -7.01% | 3.31% | +1,072 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.93% | 10.18% | 9.86% | 9.68% | 9.79% | -14 bps | |
| Net Worth / Assets | 9.93% | 10.18% | 9.86% | 9.68% | 9.79% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |