Hammond, LA · Charter 14375
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 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.
Capital
49
Asset Quality
100
Profitability
40
Liquidity
74
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.
Hammond, LA · Charter 14375
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.38% | 0.31% | 0.44% | 0.65% | +30 bps | |
| Return on Equity | 2.30% | 2.47% | 2.04% | 2.88% | 4.22% | +192 bps | |
| Net Interest Margin | 2.97% | 2.91% | 2.86% | 2.63% | 2.81% | -17 bps | |
| Efficiency Ratio | 77.63% | 78.42% | 84.17% | 89.83% | 84.54% | +691 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.05% | 4.65% | 4.50% | 2.24% | 2.64% | -40 bps | |
| Loan Growth (YoY) | 0.89% | 9.45% | 4.73% | -9.16% | -0.17% | -106 bps | |
| Share Growth (YoY) | 3.28% | 5.17% | 4.94% | 2.27% | 2.57% | -72 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.86% | 0.86% | 0.86% | 0.70% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.39% | 15.24% | 15.11% | 15.27% | 15.45% | +7 bps | |
| Net Worth / Assets | 15.39% | 15.24% | 15.11% | 15.27% | 15.45% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.47% | 71.38% | 64.89% | 59.37% | 62.75% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hammond, LA · Charter 14375 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
0.66%
Rank 26 of 57
Net Interest Margin
2.83%
Rank 51 of 57
Efficiency Ratio
84.54%
Rank 30 of 56
Equity / Assets
15.46%
Rank 29 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.18% | 0.61% | 1.03% | Beats 54% | 26 / 57 | |
| Return on Equity | 4.29% | 0.88% | 3.71% | 5.62% | Beats 56% | 25 / 57 | |
| Net Interest Margin | 2.83% | 3.51% | 3.94% | 4.60% | Beats 11% | 51 / 57 | |
| Efficiency Ratio | 84.54% | 76.49% | 84.29% | 92.65% | Beats 48% | 30 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.35% | 1.18% | 2.04% | Beats 100% | 7 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.46% | 11.86% | 15.46% | 23.44% | Beats 49% | 29 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.46% | 11.86% | 15.46% | 23.44% | Beats 49% | 29 / 57 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.74% | 55.77% | 71.07% | 79.18% | 35th pctl | 37 / 57 | |
| Loans / Assets | 53.01% | 44.60% | 59.45% | 67.17% | 37th pctl | 36 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||