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 | |