Monroe, LA · Charter 14376
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
72
Asset Quality
100
Profitability
25
Liquidity
25
Efficiency
14
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.
Monroe, LA · Charter 14376
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.06% | 2.02% | 1.18% | 1.28% | 0.77% | -0.31% | -0.05% | -123 bps | |
| Return on Equity | 1.91% | 0.25% | 9.01% | 5.54% | 5.47% | 3.29% | -1.40% | -0.22% | -576 bps | |
| Net Interest Margin | 4.39% | 4.32% | 4.02% | 3.92% | 4.33% | 4.32% | 3.82% | 3.95% | +3 bps | |
| Efficiency Ratio | 93.39% | 102.98% | 100.45% | 96.92% | 93.44% | 102.33% | 104.44% | 99.61% | +269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.04% | -7.58% | 0.35% | 7.20% | -0.95% | 0.27% | 0.40% | -4.14% | -1,134 bps | |
| Loan Growth (YoY) | -19.20% | -20.43% | -12.23% | -2.74% | -5.37% | -3.09% | 0.29% | 0.03% | +276 bps | |
| Share Growth (YoY) | -13.99% | -9.73% | -0.13% | 8.67% | -2.13% | -0.61% | 0.37% | -5.37% | -1,404 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 0.00% | 0.00% | 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 | 1.42% | 1.53% | 0.97% | 1.00% | 1.00% | 1.00% | 1.00% | 0.98% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.41% | 22.59% | 22.47% | 21.37% | 23.32% | 23.29% | 22.54% | 22.39% | +102 bps | |
| Net Worth / Assets | 22.41% | 22.59% | 22.47% | 21.37% | 23.32% | 23.29% | 22.54% | 22.39% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.26% | 86.30% | 87.08% | 84.89% | 86.31% | 84.15% | 87.01% | 89.72% | +484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monroe, LA · Charter 14376 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.05%
Rank 50 of 57
Net Interest Margin
3.95%
Rank 28 of 57
Efficiency Ratio
98.80%
Rank 49 of 56
Equity / Assets
22.39%
Rank 16 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.05% | 0.18% | 0.61% | 1.03% | Beats 12% | 50 / 57 | ||
| Return on Equity | -0.23% | 0.88% | 3.71% | 5.62% | Beats 12% | 50 / 57 | ||
| Net Interest Margin | 3.95% | 3.51% | 3.94% | 4.60% | Beats 51% | 28 / 57 | ||
| Efficiency Ratio | 98.80% | 76.49% | 84.29% | 92.65% | Beats 14% | 49 / 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 | 22.39% | 11.86% | 15.46% | 23.44% | Beats 72% | 16 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.39% | 11.86% | 15.46% | 23.44% | Beats 72% | 16 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.74% | 55.77% | 71.07% | 79.18% | 84th pctl | 9 / 57 | ||
| Loans / Assets | 69.37% | 44.60% | 59.45% | 67.17% | 82nd pctl | 10 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||