PackageTrendsPeer
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Feliciana

Zachary, LA · Charter 13687

NCUA · 1 branch

Q2 2026

$22.1MAssets
$14.2MLoans
$18.5MShares
$3.6MNet 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 -2.62%, down 83 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 0.86% of loans (-128 bps YoY).
  • Capital: net worth / assets of 16.10%, down 29 bps from a year ago.
  • Funding: loans stand at 76.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.62%-83 bps YoY

Net Interest Margin (YTD, annualized)

4.78%+65 bps YoY

Efficiency Ratio (YTD, annualized)

104.11%-2,908 bps YoY

Net Worth / Assets

16.10%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.79%-1.30%-1.51%-1.17%-2.62%-83 bps
Return on Equity-10.92%-7.70%-9.16%-7.20%-16.25%-533 bps
Net Interest Margin4.13%4.43%4.52%4.45%4.78%+65 bps
Efficiency Ratio133.19%121.94%113.56%109.89%104.11%-2,908 bps
Growth
Asset Growth (YoY)-4.99%-7.20%-6.17%-5.26%-9.03%-404 bps
Loan Growth (YoY)-4.27%-5.00%-4.28%-6.06%-2.63%+164 bps
Share Growth (YoY)-3.66%-6.58%-5.24%-7.93%-8.87%-521 bps
Asset Quality
Delinquent Loans / Loans2.14%1.69%2.24%2.03%0.86%-128 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 Capital16.39%16.93%16.53%16.23%16.10%-29 bps
Net Worth / Assets16.39%16.93%16.53%16.23%16.10%-29 bps
Liquidity & Funding
Loans / Shares71.59%74.20%73.33%70.41%76.49%+490 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps