Zachary, LA · Charter 13687
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |