Covington, LA · Charter 10640
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |