New Orleans, LA · Charter 12748
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 New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
28
Profitability
68
Liquidity
1
Efficiency
93
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.
New Orleans, LA · Charter 12748
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 | -3.31% | -1.88% | -1.06% | 9.05% | 6.30% | 6.12% | 0.63% | 1.24% | -780 bps | |
| Return on Equity | -45.00% | -23.61% | -14.41% | 76.01% | 51.35% | 43.07% | 4.49% | 8.87% | -6,714 bps | |
| Net Interest Margin | 3.27% | 3.48% | 3.02% | 4.13% | 3.88% | 4.45% | 3.58% | 3.71% | -41 bps | |
| Efficiency Ratio | 64.75% | 58.17% | 96.57% | 49.90% | 50.27% | 43.10% | 98.05% | 67.03% | +1,713 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | 0.44% | 6.96% | 7.96% | 5.63% | -1.77% | -2.54% | -3.06% | -1,102 bps | |
| Loan Growth (YoY) | -22.55% | -11.59% | -5.68% | 0.26% | -10.59% | -12.19% | -3.40% | -12.04% | -1,230 bps | |
| Share Growth (YoY) | -1.99% | 2.58% | 7.41% | 3.30% | 0.03% | -8.46% | -9.29% | -5.22% | -852 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.58% | 3.13% | 1.60% | 4.39% | 4.40% | 3.07% | 3.65% | 2.18% | -221 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 | 12.42% | 12.02% | 14.36% | 0.40% | 1.57% | 1.69% | 1.41% | 1.03% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.36% | 7.95% | 7.38% | 11.90% | 12.27% | 14.21% | 13.93% | 14.02% | +211 bps | |
| Net Worth / Assets | 7.36% | 7.95% | 7.38% | 11.90% | 12.27% | 14.21% | 13.93% | 14.02% | +211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.09% | 38.68% | 32.61% | 33.52% | 33.16% | 37.10% | 34.73% | 31.11% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Orleans, LA · Charter 12748 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)
NCUA · 1 branch
Q2 2026
Return on Assets
1.30%
Rank 3 of 29
Net Interest Margin
3.78%
Rank 24 of 29
Efficiency Ratio
65.63%
Rank 3 of 29
Equity / Assets
13.99%
Rank 16 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | -0.27% | 0.39% | 0.68% | Beats 90% | 3 / 29 | ||
| Return on Equity | 9.28% | 0.64% | 2.28% | 5.24% | Beats 96% | 1 / 28 | ||
| Net Interest Margin | 3.78% | 3.88% | 4.49% | 4.89% | Beats 17% | 24 / 29 | ||
| Efficiency Ratio | 65.63% | 77.78% | 86.62% | 97.23% | Beats 93% | 3 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.21% | 0.22% | 1.19% | 2.21% | Beats 28% | 22 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.99% | 11.89% | 14.07% | 21.10% | Beats 45% | 16 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.99% | 11.89% | 14.07% | 21.10% | Beats 45% | 16 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.11% | 45.57% | 67.88% | 82.54% | 10th pctl | 26 / 29 | ||
| Loans / Assets | 26.74% | 34.60% | 52.32% | 69.33% | 10th pctl | 26 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||