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Efcu Financial

Baton Rouge, LA · Charter 13

NCUA · 9 branches

Q2 2026

$1.3BAssets
$1.2BLoans
$1.1BShares
$125.5MNet 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 0.91%, down 6 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.38% of loans (+7 bps YoY).
  • Capital: net worth / assets of 9.72%, up 30 bps from a year ago.
  • Funding: loans stand at 102.27% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.91%-6 bps YoY

Net Interest Margin (quarter, annualized)

2.73%+19 bps YoY

Efficiency Ratio (quarter, annualized)

68.35%+373 bps YoY

Net Worth / Assets

9.72%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.98%0.95%0.92%0.91%-6 bps
Return on Equity10.25%10.07%9.79%9.51%9.33%-91 bps
Net Interest Margin2.54%2.64%2.63%2.68%2.73%+19 bps
Efficiency Ratio64.62%66.08%65.82%68.33%68.35%+373 bps
Growth
Asset Growth (YoY)14.05%8.13%6.35%6.15%5.34%-871 bps
Loan Growth (YoY)9.07%9.17%7.34%7.54%8.04%-104 bps
Share Growth (YoY)14.95%8.73%6.54%6.48%5.78%-917 bps
Asset Quality
Delinquent Loans / Loans0.31%0.32%0.33%0.33%0.38%+7 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 Capital9.42%9.74%9.72%9.64%9.72%+30 bps
Net Worth / Assets9.42%9.74%9.72%9.64%9.72%+30 bps
Liquidity & Funding
Loans / Shares100.13%102.14%101.10%99.95%102.27%+214 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps