Lutcher, LA · Charter 13763
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 New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
21
Profitability
40
Liquidity
0
Efficiency
48
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.
Lutcher, LA · Charter 13763
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 | 1.16% | 1.06% | 0.93% | 0.78% | 0.94% | 0.95% | 0.00% | 0.47% | -30 bps | |
| Return on Equity | 5.85% | 5.40% | 4.89% | 4.05% | 4.74% | 4.73% | 0.01% | 2.41% | -164 bps | |
| Net Interest Margin | 3.42% | 3.37% | 3.26% | 3.31% | 3.40% | 3.43% | 3.23% | 3.30% | -1 bps | |
| Efficiency Ratio | 71.05% | 72.05% | 75.53% | 75.38% | 73.69% | 74.50% | 95.93% | 90.59% | +1,521 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | 7.35% | 8.73% | 7.91% | 5.37% | 2.65% | 2.91% | 1.71% | -620 bps | |
| Loan Growth (YoY) | -12.94% | -11.77% | -9.40% | -6.27% | -2.37% | -2.39% | -2.53% | -4.75% | +152 bps | |
| Share Growth (YoY) | -0.54% | 7.92% | 8.80% | 8.65% | 5.65% | 2.31% | 3.57% | 1.21% | -744 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.89% | 1.78% | 1.80% | 1.84% | 2.41% | 1.84% | 2.38% | +58 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 | 19.85% | 19.56% | 19.06% | 19.18% | 19.74% | 20.00% | 19.20% | 19.63% | +45 bps | |
| Net Worth / Assets | 19.85% | 19.56% | 19.06% | 19.18% | 19.74% | 20.00% | 19.20% | 19.63% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.36% | 29.55% | 28.32% | 28.58% | 28.05% | 28.19% | 26.65% | 26.90% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lutcher, LA · Charter 13763 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.47%
Rank 13 of 29
Net Interest Margin
3.30%
Rank 26 of 29
Efficiency Ratio
90.57%
Rank 16 of 29
Equity / Assets
19.63%
Rank 10 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | -0.27% | 0.39% | 0.68% | Beats 55% | 13 / 29 | ||
| Return on Equity | 2.40% | 0.64% | 2.28% | 5.24% | Beats 54% | 13 / 28 | ||
| Net Interest Margin | 3.30% | 3.88% | 4.49% | 4.89% | Beats 10% | 26 / 29 | ||
| Efficiency Ratio | 90.57% | 77.78% | 86.62% | 97.23% | Beats 48% | 16 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.38% | 0.22% | 1.19% | 2.21% | Beats 21% | 24 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.63% | 11.89% | 14.07% | 21.10% | Beats 66% | 10 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.63% | 11.89% | 14.07% | 21.10% | Beats 66% | 10 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.90% | 45.57% | 67.88% | 82.54% | 3rd pctl | 28 / 29 | ||
| Loans / Assets | 21.60% | 34.60% | 52.32% | 69.33% | 3rd pctl | 28 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||