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Letter portraitLegal landscapeQuarterYTD

Baton Rouge Fire Department

Baton Rouge, LA · Charter 1257

NCUA · 3 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.51%1.78%1.46%1.80%1.81%1.74%1.85%+39 bps
Return on Equity6.46%6.95%8.24%6.71%8.31%8.32%8.01%8.42%+171 bps
Net Interest Margin3.64%3.68%3.81%3.82%3.80%3.78%3.79%3.81%-1 bps
Efficiency Ratio69.79%67.67%63.36%58.72%59.09%59.71%59.97%59.88%+117 bps
Growth
Asset Growth (YoY)2.78%2.53%3.58%4.46%7.45%9.23%7.95%8.37%+391 bps
Loan Growth (YoY)-4.59%-6.74%-6.55%-7.79%-5.97%-3.91%-4.42%-2.27%+553 bps
Share Growth (YoY)2.48%1.81%1.01%3.83%7.67%11.04%8.48%9.11%+528 bps
Asset Quality
Delinquent Loans / Loans0.73%0.96%0.86%0.69%0.61%0.67%0.99%0.52%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.37%21.77%21.55%21.82%21.69%21.74%21.76%22.01%+20 bps
Net Worth / Assets21.37%21.77%21.55%21.82%21.69%21.74%21.76%22.01%+20 bps
Liquidity & Funding
Loans / Shares96.66%94.88%89.95%86.57%84.42%82.10%79.25%77.54%-903 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps