Luling, LA · Charter 12292
NCUA · 1 branch
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 | 0.80% | 1.02% | 1.76% | -0.45% | 2.01% | 1.73% | -0.67% | 0.68% | +113 bps | |
| Return on Equity | 2.66% | 3.31% | 5.69% | -1.48% | 6.19% | 5.33% | -2.07% | 2.06% | +355 bps | |
| Net Interest Margin | 5.03% | 5.07% | 4.81% | 4.84% | 4.98% | 4.99% | 4.87% | 4.84% | 0 bps | |
| Efficiency Ratio | 64.12% | 65.61% | 66.00% | 71.77% | 71.51% | 72.80% | 69.91% | 70.61% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.31% | -6.57% | -5.42% | -3.71% | -1.60% | -0.22% | -1.24% | -1.26% | +244 bps | |
| Loan Growth (YoY) | -3.78% | -14.04% | -16.55% | -19.30% | -18.54% | -14.55% | -12.97% | -9.73% | +958 bps | |
| Share Growth (YoY) | -14.03% | -10.46% | -9.32% | -5.58% | -5.00% | -2.85% | -3.55% | -5.01% | +57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.41% | 0.08% | 0.32% | 0.72% | 0.13% | 0.11% | 0.14% | -18 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 | 29.98% | 30.74% | 30.87% | 30.33% | 32.39% | 32.54% | 32.43% | 33.03% | +270 bps | |
| Net Worth / Assets | 29.98% | 30.74% | 30.87% | 30.33% | 32.39% | 32.54% | 32.43% | 33.03% | +270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.01% | 80.68% | 75.38% | 71.42% | 72.04% | 70.96% | 68.02% | 67.88% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |