PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cusa

Covington, LA · Charter 10640

NCUA · 3 branches

Q2 2026

$30.6MAssets
$20.7MLoans
$27.4MShares
$3.0MNet 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 -0.02%, up 13 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 1.02% of loans (+53 bps YoY).
  • Capital: net worth / assets of 9.91%, down 13 bps from a year ago.
  • Funding: loans stand at 75.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.02%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+10 bps YoY

Efficiency Ratio (YTD, annualized)

86.63%-1,596 bps YoY

Net Worth / Assets

9.91%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.15%-0.10%-0.22%0.21%-0.02%+13 bps
Return on Equity-1.46%-0.96%-2.21%2.07%-0.18%+129 bps
Net Interest Margin3.21%3.23%3.22%3.37%3.31%+10 bps
Efficiency Ratio102.59%100.79%101.14%85.30%86.63%-1,596 bps
Growth
Asset Growth (YoY)-7.66%-3.58%-1.20%-5.50%-0.54%+712 bps
Loan Growth (YoY)-8.07%-10.34%-10.90%-11.78%-14.74%-667 bps
Share Growth (YoY)-8.33%-4.07%-1.33%-6.53%-1.00%+733 bps
Asset Quality
Delinquent Loans / Loans0.49%0.56%1.34%0.94%1.02%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.04%10.06%9.87%9.97%9.91%-13 bps
Net Worth / Assets10.04%10.06%9.87%9.97%9.91%-13 bps
Liquidity & Funding
Loans / Shares87.82%83.99%81.04%78.87%75.64%-1,219 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps