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 | |