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Baton Rouge Fire Department

Baton Rouge, LA · Charter 1257

NCUA · 3 branches

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 Baton Rouge, 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 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.

Peer standing

Capital

90

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

100

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

Baton Rouge Fire Department

Baton Rouge, LA · Charter 1257

NCUA · 3 branches

Q2 2026

$82.1MAssets
$50.5MLoans
$65.2MShares
$18.1MNet 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 1.85%, up 39 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.52% of loans (-18 bps YoY).
  • Capital: net worth / assets of 22.01%, up 20 bps from a year ago.
  • Funding: loans stand at 77.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-1 bps YoY

Efficiency Ratio (YTD, annualized)

59.88%+117 bps YoY

Net Worth / Assets

22.01%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.80%1.81%1.74%1.85%+39 bps
Return on Equity6.71%8.31%8.32%8.01%8.42%+171 bps
Net Interest Margin3.82%3.80%3.78%3.79%3.81%-1 bps
Efficiency Ratio58.72%59.09%59.71%59.97%59.88%+117 bps
Growth
Asset Growth (YoY)4.46%7.45%9.23%7.95%8.37%+391 bps
Loan Growth (YoY)-7.79%-5.97%-3.91%-4.42%-2.27%+553 bps
Share Growth (YoY)3.83%7.67%11.04%8.48%9.11%+528 bps
Asset Quality
Delinquent Loans / Loans0.69%0.61%0.67%0.99%0.52%-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 Capital21.82%21.69%21.74%21.76%22.01%+20 bps
Net Worth / Assets21.82%21.69%21.74%21.76%22.01%+20 bps
Liquidity & Funding
Loans / Shares86.57%84.42%82.10%79.25%77.54%-903 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

Baton Rouge Fire Department

Baton Rouge, LA · Charter 1257 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)

NCUA · 3 branches

Q2 2026

$82.1MAssets
$50.5MLoans
$65.2MShares
$18.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 1 of 21).
  • Widest gap: net interest margin trails 71% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 15 of 21).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.85%

Rank 1 of 21

Net Interest Margin

3.81%

Rank 15 of 21

Efficiency Ratio

59.87%

Rank 1 of 21

Equity / Assets

22.01%

Rank 2 of 21

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.85%0.20%0.59%1.13%Beats 95%1 / 21
Return on Equity8.42%1.01%4.78%7.97%Beats 81%4 / 21
Net Interest Margin3.81%3.81%3.95%4.86%Beats 29%15 / 21
Efficiency Ratio59.87%72.50%80.80%90.61%Beats 100%1 / 21
Asset Quality
Nonperforming Loans / Loans0.52%0.36%0.80%1.45%Beats 67%8 / 21
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio22.01%11.23%14.10%17.49%Beats 90%2 / 21
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets22.01%11.23%14.10%17.49%Beats 90%2 / 21
Liquidity & Funding
Loans / Deposits77.54%58.58%76.49%83.93%52nd pctl10 / 21
Loans / Assets61.52%53.07%62.76%69.97%38th pctl13 / 21
Brokered Deposits / Depositsn/aNot reported for this institution