Lacombe, LA · Charter 15089
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.34% | -0.87% | -0.59% | -0.76% | 0.86% | +220 bps | |
| Return on Equity | -15.96% | -10.02% | -6.52% | -8.46% | 9.15% | +2,511 bps | |
| Net Interest Margin | 4.27% | 4.30% | 4.31% | 4.75% | 5.14% | +87 bps | |
| Efficiency Ratio | 100.48% | 89.97% | 90.46% | 116.00% | 83.43% | -1,705 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.11% | -5.75% | -5.57% | -7.74% | -8.92% | -681 bps | |
| Loan Growth (YoY) | -17.21% | -28.54% | 4.99% | 8.67% | 6.27% | +2,348 bps | |
| Share Growth (YoY) | -1.52% | -5.28% | -5.29% | -7.81% | -9.90% | -838 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.31% | 6.02% | 4.22% | 5.03% | 0.62% | -469 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.85% | 3.95% | 2.77% | 3.02% | 2.18% | -67 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 8.71% | 9.09% | 9.00% | 9.42% | +104 bps | |
| Net Worth / Assets | 8.38% | 8.71% | 9.09% | 9.00% | 9.42% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.34% | 43.31% | 64.12% | 59.49% | 54.66% | +832 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |