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 | |