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G G W

New Orleans, LA · Charter 15588

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New Orleans-Metairie, LA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

G G W

New Orleans, LA · Charter 15588

NCUA · 1 branch

Q2 2026

$960KAssets
$321KLoans
$704KShares
$256KNet Worth

Executive Summary

  • Earnings: ROA of 1.61%, up 99 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY).
  • Capital: net worth / assets of 26.68%, up 51 bps from a year ago.
  • Funding: loans stand at 45.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.61%+99 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+104 bps YoY

Efficiency Ratio (YTD, annualized)

63.10%-1,848 bps YoY

Net Worth / Assets

26.68%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.28%0.79%0.62%0.75%0.55%2.24%1.61%+99 bps
Return on Equity1.25%1.04%3.00%2.37%2.82%2.00%8.13%6.03%+367 bps
Net Interest Margin3.25%3.23%2.90%3.30%3.60%3.73%4.78%4.33%+104 bps
Efficiency Ratio90.00%91.62%73.39%81.58%79.60%85.66%53.60%63.10%-1,848 bps
Growth
Asset Growth (YoY)-0.55%-2.04%0.94%1.34%1.38%-0.98%-0.86%2.00%+66 bps
Loan Growth (YoY)-28.87%-16.37%42.10%51.41%62.81%57.56%-2.09%-2.63%-5,404 bps
Share Growth (YoY)-1.37%-3.10%0.83%1.40%1.06%-2.06%-2.37%1.30%-11 bps
Asset Quality
Delinquent Loans / Loans0.59%0.00%0.00%0.02%0.02%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.88%7.81%5.18%5.42%5.45%4.95%5.29%5.57%+15 bps
Capital
Risk-Based Capital26.37%26.46%26.37%26.17%26.60%27.27%27.50%26.68%+51 bps
Net Worth / Assets26.37%26.46%26.37%26.17%26.60%27.27%27.50%26.68%+51 bps
Liquidity & Funding
Loans / Shares29.66%33.84%50.42%47.43%47.78%54.44%50.57%45.59%-184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

G G W

New Orleans, LA · Charter 15588 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)

NCUA · 1 branch

Q2 2026

$960KAssets
$321KLoans
$704KShares
$256KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 2 of 29).
  • Widest gap: net interest margin trails 59% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 17 of 29).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.67%

Rank 2 of 29

Net Interest Margin

4.38%

Rank 17 of 29

Efficiency Ratio

61.90%

Rank 2 of 29

Equity / Assets

26.67%

Rank 6 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.67%-0.27%0.39%0.68%Beats 93%2 / 29
Return on Equity6.25%0.64%2.28%5.24%Beats 82%5 / 28
Net Interest Margin4.38%3.88%4.49%4.89%Beats 41%17 / 29
Efficiency Ratio61.90%77.78%86.62%97.23%Beats 97%2 / 29
Asset Quality
Nonperforming Loans / Loans0.00%0.22%1.19%2.21%Beats 100%2 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio26.67%11.89%14.07%21.10%Beats 79%6 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets26.67%11.89%14.07%21.10%Beats 79%6 / 29
Liquidity & Funding
Loans / Deposits45.60%45.57%67.88%82.54%28th pctl21 / 29
Loans / Assets33.44%34.60%52.32%69.33%21st pctl23 / 29
Brokered Deposits / Depositsn/aNot reported for this institution