Hammond, LA · Charter 14375
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 | 0.34% | 0.30% | 0.41% | 0.35% | 0.38% | 0.31% | 0.44% | 0.65% | +30 bps | |
| Return on Equity | 2.17% | 1.97% | 2.71% | 2.30% | 2.47% | 2.04% | 2.88% | 4.22% | +192 bps | |
| Net Interest Margin | 2.66% | 2.68% | 2.77% | 2.97% | 2.91% | 2.86% | 2.63% | 2.81% | -17 bps | |
| Efficiency Ratio | 87.39% | 89.49% | 83.22% | 77.63% | 78.42% | 84.17% | 89.83% | 84.54% | +691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 2.42% | 5.66% | 3.05% | 4.65% | 4.50% | 2.24% | 2.64% | -40 bps | |
| Loan Growth (YoY) | 10.53% | 1.47% | 16.05% | 0.89% | 9.45% | 4.73% | -9.16% | -0.17% | -106 bps | |
| Share Growth (YoY) | 0.93% | 2.49% | 6.28% | 3.28% | 5.17% | 4.94% | 2.27% | 2.57% | -72 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.39% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.71% | 0.71% | 0.87% | 0.86% | 0.86% | 0.86% | 0.70% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.65% | 15.47% | 15.29% | 15.39% | 15.24% | 15.11% | 15.27% | 15.45% | +7 bps | |
| Net Worth / Assets | 15.65% | 15.47% | 15.29% | 15.39% | 15.24% | 15.11% | 15.27% | 15.45% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.59% | 65.01% | 66.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |