Geismar, LA · Charter 12330
NCUA · 1 branch
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 the Baton Rouge, LA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
33
Profitability
49
Liquidity
78
Efficiency
95
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.
Geismar, LA · Charter 12330
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 | 1.04% | 0.95% | 0.98% | 0.82% | 0.89% | 0.86% | 1.33% | 1.25% | +44 bps | |
| Return on Equity | 6.40% | 5.82% | 6.21% | 5.08% | 5.53% | 5.28% | 8.17% | 7.61% | +252 bps | |
| Net Interest Margin | 2.97% | 2.92% | 3.01% | 3.06% | 3.08% | 3.08% | 3.16% | 3.19% | +14 bps | |
| Efficiency Ratio | 69.46% | 71.13% | 65.66% | 68.28% | 66.26% | 66.86% | 60.85% | 63.59% | -469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | 2.88% | 5.21% | 4.65% | 6.11% | 5.89% | 3.50% | 4.19% | -46 bps | |
| Loan Growth (YoY) | 5.95% | 3.48% | 0.68% | -1.82% | -1.53% | -2.88% | -1.86% | -0.91% | +92 bps | |
| Share Growth (YoY) | 0.09% | 2.98% | 3.96% | 3.55% | 5.77% | 4.33% | 2.95% | 4.55% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.53% | 0.51% | 0.48% | 1.47% | 1.08% | 1.26% | 1.20% | +72 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 | 16.27% | 16.31% | 15.85% | 16.05% | 16.16% | 16.26% | 16.25% | 16.47% | +43 bps | |
| Net Worth / Assets | 16.27% | 16.31% | 15.85% | 16.05% | 16.16% | 16.26% | 16.25% | 16.47% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.00% | 89.23% | 83.99% | 83.26% | 83.79% | 83.06% | 80.06% | 78.92% | -434 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Geismar, LA · Charter 12330 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)
NCUA · 1 branch
Q2 2026
Return on Assets
1.25%
Rank 5 of 21
Net Interest Margin
3.19%
Rank 19 of 21
Efficiency Ratio
63.58%
Rank 2 of 21
Equity / Assets
16.47%
Rank 8 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.20% | 0.59% | 1.13% | Beats 76% | 5 / 21 | ||
| Return on Equity | 7.60% | 1.01% | 4.78% | 7.97% | Beats 62% | 8 / 21 | ||
| Net Interest Margin | 3.19% | 3.81% | 3.95% | 4.86% | Beats 10% | 19 / 21 | ||
| Efficiency Ratio | 63.58% | 72.50% | 80.80% | 90.61% | Beats 95% | 2 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.36% | 0.80% | 1.45% | Beats 33% | 15 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.47% | 11.23% | 14.10% | 17.49% | Beats 62% | 8 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.47% | 11.23% | 14.10% | 17.49% | Beats 62% | 8 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.92% | 58.58% | 76.49% | 83.93% | 62nd pctl | 8 / 21 | ||
| Loans / Assets | 66.71% | 53.07% | 62.76% | 69.97% | 62nd pctl | 8 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||