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Letter portraitLegal landscapeQuarterYTD

New Orleans Clerk & Checkers

Metairie, LA · Charter 10515

NCUA · 1 branch

Q2 2026

$8.2MAssets
$4.3MLoans
$6.4MShares
$1.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.20%, down 66 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 1.54% of loans (+13 bps YoY).
  • Capital: net worth / assets of 21.10%, up 59 bps from a year ago.
  • Funding: loans stand at 66.40% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.20%-66 bps YoY

Net Interest Margin (quarter, annualized)

5.11%-47 bps YoY

Efficiency Ratio (quarter, annualized)

75.36%+827 bps YoY

Net Worth / Assets

21.10%+59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.98%0.49%0.97%1.20%-66 bps
Return on Equity9.11%9.26%2.40%4.74%5.71%-340 bps
Net Interest Margin5.58%5.67%5.19%4.91%5.11%-47 bps
Efficiency Ratio67.09%65.78%82.76%80.70%75.36%+827 bps
Growth
Asset Growth (YoY)-1.64%-4.32%-3.94%-1.52%-2.14%-50 bps
Loan Growth (YoY)-4.29%-10.15%-7.04%1.52%1.18%+547 bps
Share Growth (YoY)-3.01%-6.20%-5.46%-2.32%-2.85%+15 bps
Asset Quality
Delinquent Loans / Loans1.41%1.06%1.51%1.05%1.54%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.36%1.37%1.20%1.16%0.85%-50 bps
Capital
Risk-Based Capital20.51%21.35%20.32%20.51%21.10%+59 bps
Net Worth / Assets20.51%21.35%20.32%20.51%21.10%+59 bps
Liquidity & Funding
Loans / Shares63.75%65.18%65.29%68.04%66.40%+265 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps