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3rd District Highway

Lafayette, LA · Charter 14226

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in LA3

Basis

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.

Peer group

Credit unions under $1B in assets in LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

3rd District Highway

Lafayette, LA · Charter 14226

NCUA · 3 branches

Q2 2026

$11.1MAssets
$4.9MLoans
$8.8MShares
$2.1MNet 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 0.43%, up 36 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.97% of loans (-32 bps YoY).
  • Capital: net worth / assets of 19.26%, up 164 bps from a year ago.
  • Funding: loans stand at 55.66% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+11 bps YoY

Efficiency Ratio (YTD, annualized)

76.93%-1,708 bps YoY

Net Worth / Assets

19.26%+164 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.10%0.13%0.08%0.43%+36 bps
Return on Equity0.39%0.53%0.72%0.45%2.24%+186 bps
Net Interest Margin3.56%3.66%3.67%3.53%3.67%+11 bps
Efficiency Ratio94.01%96.04%98.01%65.16%76.93%-1,708 bps
Growth
Asset Growth (YoY)-4.85%-6.45%-4.19%-4.06%-6.99%-214 bps
Loan Growth (YoY)-4.21%0.07%4.16%1.81%3.05%+726 bps
Share Growth (YoY)-6.56%-8.57%-5.36%-4.68%-8.46%-190 bps
Asset Quality
Delinquent Loans / Loans1.29%1.31%2.21%0.99%0.97%-32 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 Capital17.62%18.21%18.44%18.71%19.26%+164 bps
Net Worth / Assets17.62%18.21%18.44%18.71%19.26%+164 bps
Liquidity & Funding
Loans / Shares49.45%50.94%53.46%52.95%55.66%+622 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

3rd District Highway

Lafayette, LA · Charter 14226 · Peer group: credit unions under $1B in assets in LA (n=56-57)

NCUA · 3 branches

Q2 2026

$11.1MAssets
$4.9MLoans
$8.8MShares
$2.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of credit unions under $1B in assets in LA (rank 16 of 56).
  • Widest gap: net interest margin trails 67% of credit unions under $1B in assets in LA (rank 38 of 57).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.43%

Rank 33 of 57

Net Interest Margin

3.67%

Rank 38 of 57

Efficiency Ratio

76.84%

Rank 16 of 56

Equity / Assets

19.27%

Rank 21 of 57

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.43%0.18%0.61%1.03%Beats 42%33 / 57
Return on Equity2.24%0.88%3.71%5.62%Beats 33%38 / 57
Net Interest Margin3.67%3.51%3.94%4.60%Beats 33%38 / 57
Efficiency Ratio76.84%76.49%84.29%92.65%Beats 73%16 / 56
Asset Quality
Nonperforming Loans / Loans0.98%0.35%1.18%2.04%Beats 63%22 / 57
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.27%11.86%15.46%23.44%Beats 63%21 / 57
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.27%11.86%15.46%23.44%Beats 63%21 / 57
Liquidity & Funding
Loans / Deposits55.66%55.77%71.07%79.18%23rd pctl44 / 57
Loans / Assets44.13%44.60%59.45%67.17%23rd pctl44 / 57
Brokered Deposits / Depositsn/aNot reported for this institution