Jennings, LA · Charter 14537
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
95
Asset Quality
7
Profitability
69
Liquidity
21
Efficiency
18
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.
Jennings, LA · Charter 14537
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 | 1.50% | 1.36% | 3.66% | 1.83% | 1.64% | 1.28% | 0.27% | 1.19% | -64 bps | |
| Return on Equity | 4.94% | 4.36% | 11.75% | 5.66% | 4.86% | 3.82% | 0.81% | 3.49% | -217 bps | |
| Net Interest Margin | 5.29% | 5.21% | 7.12% | 5.65% | 5.43% | 5.20% | 4.97% | 4.70% | -95 bps | |
| Efficiency Ratio | 72.98% | 75.22% | 50.22% | 69.18% | 71.42% | 76.73% | 95.23% | 95.30% | +2,612 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | -1.88% | 6.11% | -0.15% | -5.67% | -3.24% | -4.32% | -2.60% | -246 bps | |
| Loan Growth (YoY) | 2.37% | 11.20% | -8.69% | -6.82% | 3.24% | 4.01% | 8.37% | 11.62% | +1,844 bps | |
| Share Growth (YoY) | 0.69% | -4.68% | 5.33% | -2.60% | -10.23% | -6.39% | -6.52% | -5.17% | -257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.19% | 7.12% | 7.47% | 4.90% | 5.40% | 5.61% | 5.15% | 5.33% | +43 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 | 0.70% | 0.65% | 0.64% | 0.64% | 0.61% | 0.56% | 0.04% | 0.88% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.42% | 31.19% | 31.15% | 32.32% | 33.70% | 33.51% | 32.92% | 34.13% | +180 bps | |
| Net Worth / Assets | 30.42% | 31.19% | 31.15% | 32.32% | 33.70% | 33.51% | 32.92% | 34.13% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.31% | 82.79% | 73.70% | 77.06% | 86.61% | 91.98% | 85.44% | 90.71% | +1,364 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jennings, LA · Charter 14537 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
1.16%
Rank 11 of 57
Net Interest Margin
4.74%
Rank 11 of 57
Efficiency Ratio
94.00%
Rank 47 of 56
Equity / Assets
34.12%
Rank 3 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.18% | 0.61% | 1.03% | Beats 81% | 11 / 57 | ||
| Return on Equity | 3.40% | 0.88% | 3.71% | 5.62% | Beats 46% | 31 / 57 | ||
| Net Interest Margin | 4.74% | 3.51% | 3.94% | 4.60% | Beats 81% | 11 / 57 | ||
| Efficiency Ratio | 94.00% | 76.49% | 84.29% | 92.65% | Beats 18% | 47 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.31% | 0.35% | 1.18% | 2.04% | Beats 7% | 54 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 34.12% | 11.86% | 15.46% | 23.44% | Beats 95% | 3 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 34.12% | 11.86% | 15.46% | 23.44% | Beats 95% | 3 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.68% | 55.77% | 71.07% | 79.18% | 86th pctl | 8 / 57 | ||
| Loans / Assets | 59.45% | 44.60% | 59.45% | 67.17% | 49th pctl | 29 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||