PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

University of Louisiana

Lafayette, LA · Charter 12570

NCUA · 2 branches

Q2 2026

$61.5MAssets
$40.3MLoans
$56.6MShares
$7.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 33 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.99% of loans (+84 bps YoY).
  • Capital: net worth / assets of 11.39%, up 9 bps from a year ago.
  • Funding: loans stand at 71.32% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.01%-33 bps YoY

Net Interest Margin (quarter, annualized)

3.26%-9 bps YoY

Efficiency Ratio (quarter, annualized)

105.38%+1,436 bps YoY

Net Worth / Assets

11.39%+9 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.24%0.14%0.34%0.34%0.38%0.40%0.17%0.01%-33 bps
Return on Equity-2.12%1.25%3.03%3.04%3.30%3.45%1.53%0.11%-294 bps
Net Interest Margin3.54%3.48%3.26%3.35%3.44%3.40%3.17%3.26%-9 bps
Efficiency Ratio105.05%104.90%91.05%91.02%91.55%90.07%108.53%105.38%+1,436 bps
Growth
Asset Growth (YoY)-1.08%2.24%5.90%4.55%3.33%3.06%2.09%1.25%-330 bps
Loan Growth (YoY)6.97%5.81%7.54%11.32%5.53%3.06%-1.46%-7.12%-1,844 bps
Share Growth (YoY)-0.93%1.76%6.16%4.43%3.17%3.87%2.45%2.18%-225 bps
Asset Quality
Delinquent Loans / Loans0.95%0.40%0.06%0.15%0.30%0.49%0.36%0.99%+84 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 Capital11.40%11.56%11.10%11.30%11.64%11.61%11.22%11.39%+9 bps
Net Worth / Assets11.40%11.56%11.10%11.30%11.64%11.61%11.22%11.39%+9 bps
Liquidity & Funding
Loans / Shares76.20%76.29%72.32%78.46%77.94%75.69%69.56%71.32%-715 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps