Baton Rouge, LA · Charter 13
NCUA · 9 branches
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 | 0.87% | 0.83% | 0.90% | 0.97% | 0.98% | 0.95% | 0.92% | 0.91% | -6 bps | |
| Return on Equity | 9.03% | 8.86% | 9.68% | 10.25% | 10.07% | 9.79% | 9.51% | 9.33% | -91 bps | |
| Net Interest Margin | 2.22% | 2.21% | 2.47% | 2.54% | 2.64% | 2.63% | 2.68% | 2.73% | +19 bps | |
| Efficiency Ratio | 66.82% | 66.61% | 65.94% | 64.62% | 66.08% | 65.82% | 68.33% | 68.35% | +373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.34% | 14.21% | 14.15% | 14.05% | 8.13% | 6.35% | 6.15% | 5.34% | -871 bps | |
| Loan Growth (YoY) | 11.83% | 11.51% | 11.39% | 9.07% | 9.17% | 7.34% | 7.54% | 8.04% | -104 bps | |
| Share Growth (YoY) | 14.15% | 14.46% | 14.20% | 14.95% | 8.73% | 6.54% | 6.48% | 5.78% | -917 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.33% | 0.28% | 0.31% | 0.32% | 0.33% | 0.33% | 0.38% | +7 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.59% | 9.39% | 9.30% | 9.42% | 9.74% | 9.72% | 9.64% | 9.72% | +30 bps | |
| Net Worth / Assets | 9.59% | 9.39% | 9.30% | 9.42% | 9.74% | 9.72% | 9.64% | 9.72% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.73% | 100.35% | 98.96% | 100.13% | 102.14% | 101.10% | 99.95% | 102.27% | +214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |