PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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