PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Louisiana Machinery Employees

Monroe, LA · Charter 14376

NCUA · 1 branch

Q2 2026

$3.9MAssets
$2.7MLoans
$3.0MShares
$872KNet Worth

Executive Summary

  • Earnings: ROA of -0.05%, down 123 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 22.39%, up 102 bps from a year ago.
  • Funding: loans stand at 89.72% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.05%-123 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+3 bps YoY

Efficiency Ratio (quarter, annualized)

99.61%+269 bps YoY

Net Worth / Assets

22.39%+102 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.06%2.02%1.18%1.28%0.77%-0.31%-0.05%-123 bps
Return on Equity1.91%0.25%9.01%5.54%5.47%3.29%-1.40%-0.22%-576 bps
Net Interest Margin4.39%4.32%4.02%3.92%4.33%4.32%3.82%3.95%+3 bps
Efficiency Ratio93.39%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 / Loans1.25%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.42%1.53%0.97%1.00%1.00%1.00%1.00%0.98%-2 bps
Capital
Risk-Based Capital22.41%22.59%22.47%21.37%23.32%23.29%22.54%22.39%+102 bps
Net Worth / Assets22.41%22.59%22.47%21.37%23.32%23.29%22.54%22.39%+102 bps
Liquidity & Funding
Loans / Shares89.26%86.30%87.08%84.89%86.31%84.15%87.01%89.72%+484 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps