Covington, LA · Charter 10640
NCUA · 3 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
14
Asset Quality
56
Profitability
16
Liquidity
82
Efficiency
34
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.
Covington, LA · Charter 10640
NCUA · 3 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 | -1.10% | -0.99% | -0.22% | -0.15% | -0.10% | -0.22% | 0.21% | -0.02% | +13 bps | |
| Return on Equity | -11.08% | -9.94% | -2.32% | -1.46% | -0.96% | -2.21% | 2.07% | -0.18% | +129 bps | |
| Net Interest Margin | 2.87% | 2.88% | 3.03% | 3.21% | 3.23% | 3.22% | 3.37% | 3.31% | +10 bps | |
| Efficiency Ratio | 131.01% | 124.95% | 105.65% | 102.59% | 100.79% | 101.14% | 85.30% | 86.63% | -1,596 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.76% | -19.65% | -9.12% | -7.66% | -3.58% | -1.20% | -5.50% | -0.54% | +712 bps | |
| Loan Growth (YoY) | -7.86% | -10.44% | -8.16% | -8.07% | -10.34% | -10.90% | -11.78% | -14.74% | -667 bps | |
| Share Growth (YoY) | -7.78% | -16.50% | -9.50% | -8.33% | -4.07% | -1.33% | -6.53% | -1.00% | +733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.42% | 0.44% | 0.49% | 0.56% | 1.34% | 0.94% | 1.02% | +53 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 | 9.95% | 10.01% | 9.56% | 10.04% | 10.06% | 9.87% | 9.97% | 9.91% | -13 bps | |
| Net Worth / Assets | 9.95% | 10.01% | 9.56% | 10.04% | 10.06% | 9.87% | 9.97% | 9.91% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.86% | 89.75% | 83.57% | 87.82% | 83.99% | 81.04% | 78.87% | 75.64% | -1,219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Covington, LA · Charter 10640 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.02%
Rank 49 of 57
Net Interest Margin
3.31%
Rank 45 of 57
Efficiency Ratio
86.50%
Rank 38 of 56
Equity / Assets
9.91%
Rank 49 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | 0.18% | 0.61% | 1.03% | Beats 14% | 49 / 57 | ||
| Return on Equity | -0.20% | 0.88% | 3.71% | 5.62% | Beats 14% | 49 / 57 | ||
| Net Interest Margin | 3.31% | 3.51% | 3.94% | 4.60% | Beats 21% | 45 / 57 | ||
| Efficiency Ratio | 86.50% | 76.49% | 84.29% | 92.65% | Beats 34% | 38 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.02% | 0.35% | 1.18% | 2.04% | Beats 56% | 26 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.91% | 11.86% | 15.46% | 23.44% | Beats 14% | 49 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.91% | 11.86% | 15.46% | 23.44% | Beats 14% | 49 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.64% | 55.77% | 71.07% | 79.18% | 67th pctl | 19 / 57 | ||
| Loans / Assets | 67.89% | 44.60% | 59.45% | 67.17% | 81st pctl | 11 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||