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Barton Plant Employees

Luling, LA · Charter 12292

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New Orleans-Metairie, LA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Barton Plant Employees

Luling, LA · Charter 12292

NCUA · 1 branch

Q2 2026

$15.7MAssets
$7.1MLoans
$10.5MShares
$5.2MNet 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 0.68%, up 113 bps year over year; NIM at 4.84%.
  • Asset quality: problem loans at 0.14% of loans (-18 bps YoY).
  • Capital: net worth / assets of 33.03%, up 270 bps from a year ago.
  • Funding: loans stand at 67.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+113 bps YoY

Net Interest Margin (YTD, annualized)

4.84%0 bps YoY

Efficiency Ratio (YTD, annualized)

70.61%-116 bps YoY

Net Worth / Assets

33.03%+270 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.45%2.01%1.73%-0.67%0.68%+113 bps
Return on Equity-1.48%6.19%5.33%-2.07%2.06%+355 bps
Net Interest Margin4.84%4.98%4.99%4.87%4.84%0 bps
Efficiency Ratio71.77%71.51%72.80%69.91%70.61%-116 bps
Growth
Asset Growth (YoY)-3.71%-1.60%-0.22%-1.24%-1.26%+244 bps
Loan Growth (YoY)-19.30%-18.54%-14.55%-12.97%-9.73%+958 bps
Share Growth (YoY)-5.58%-5.00%-2.85%-3.55%-5.01%+57 bps
Asset Quality
Delinquent Loans / Loans0.32%0.72%0.13%0.11%0.14%-18 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 Capital30.33%32.39%32.54%32.43%33.03%+270 bps
Net Worth / Assets30.33%32.39%32.54%32.43%33.03%+270 bps
Liquidity & Funding
Loans / Shares71.42%72.04%70.96%68.02%67.88%-354 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Barton Plant Employees

Luling, LA · Charter 12292 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)

NCUA · 1 branch

Q2 2026

$15.7MAssets
$7.1MLoans
$10.5MShares
$5.2MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 86% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 5 of 29).
  • Widest gap: return on equity trails 57% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 16 of 28).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.68%

Rank 8 of 29

Net Interest Margin

4.84%

Rank 12 of 29

Efficiency Ratio

70.49%

Rank 5 of 29

Equity / Assets

33.02%

Rank 5 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%-0.27%0.39%0.68%Beats 72%8 / 29
Return on Equity2.05%0.64%2.28%5.24%Beats 43%16 / 28
Net Interest Margin4.84%3.88%4.49%4.89%Beats 59%12 / 29
Efficiency Ratio70.49%77.78%86.62%97.23%Beats 86%5 / 29
Asset Quality
Nonperforming Loans / Loans0.14%0.22%1.19%2.21%Beats 86%5 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio33.02%11.89%14.07%21.10%Beats 83%5 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets33.02%11.89%14.07%21.10%Beats 83%5 / 29
Liquidity & Funding
Loans / Deposits67.88%45.57%67.88%82.54%48th pctl15 / 29
Loans / Assets45.44%34.60%52.32%69.33%41st pctl17 / 29
Brokered Deposits / Depositsn/aNot reported for this institution