Zachary, LA · Charter 13687
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 Baton Rouge, LA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
48
Profitability
22
Liquidity
100
Efficiency
14
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.
Zachary, LA · Charter 13687
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 | -1.06% | -1.44% | -1.50% | -1.79% | -1.30% | -1.51% | -1.17% | -2.62% | -83 bps | |
| Return on Equity | -6.25% | -8.50% | -9.00% | -10.92% | -7.70% | -9.16% | -7.20% | -16.25% | -533 bps | |
| Net Interest Margin | 3.77% | 3.91% | 3.96% | 4.13% | 4.43% | 4.52% | 4.45% | 4.78% | +65 bps | |
| Efficiency Ratio | 120.80% | 127.70% | 128.80% | 133.19% | 121.94% | 113.56% | 109.89% | 104.11% | -2,908 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | -4.07% | -5.80% | -4.99% | -7.20% | -6.17% | -5.26% | -9.03% | -404 bps | |
| Loan Growth (YoY) | 2.41% | -2.35% | -5.55% | -4.27% | -5.00% | -4.28% | -6.06% | -2.63% | +164 bps | |
| Share Growth (YoY) | -2.24% | -3.75% | -2.07% | -3.66% | -6.58% | -5.24% | -7.93% | -8.87% | -521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.48% | 1.07% | 2.14% | 1.69% | 2.24% | 2.03% | 0.86% | -128 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 | 16.93% | 16.93% | 16.72% | 16.39% | 16.93% | 16.53% | 16.23% | 16.10% | -29 bps | |
| Net Worth / Assets | 16.93% | 16.93% | 16.72% | 16.39% | 16.93% | 16.53% | 16.23% | 16.10% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.97% | 72.60% | 69.01% | 71.59% | 74.20% | 73.33% | 70.41% | 76.49% | +490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Zachary, LA · Charter 13687 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.62%
Rank 21 of 21
Net Interest Margin
4.78%
Rank 7 of 21
Efficiency Ratio
104.27%
Rank 19 of 21
Equity / Assets
16.10%
Rank 9 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.62% | 0.20% | 0.59% | 1.13% | Beats 0% | 21 / 21 | ||
| Return on Equity | -16.27% | 1.01% | 4.78% | 7.97% | Beats 0% | 21 / 21 | ||
| Net Interest Margin | 4.78% | 3.81% | 3.95% | 4.86% | Beats 67% | 7 / 21 | ||
| Efficiency Ratio | 104.27% | 72.50% | 80.80% | 90.61% | Beats 14% | 19 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.36% | 0.80% | 1.45% | Beats 48% | 12 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.10% | 11.23% | 14.10% | 17.49% | Beats 57% | 9 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.10% | 11.23% | 14.10% | 17.49% | Beats 57% | 9 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.49% | 58.58% | 76.49% | 83.93% | 48th pctl | 11 / 21 | ||
| Loans / Assets | 64.25% | 53.07% | 62.76% | 69.97% | 52nd pctl | 10 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||