Lutcher, LA · Charter 13763
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 | 1.16% | 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 | |