PackageTrendsPeer
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Cenla

Alexandria, LA · Charter 15602

NCUA · 3 branches

Q2 2026

$132.2MAssets
$41.0MLoans
$103.6MShares
$28.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.63%, down 108 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.09% of loans (-3 bps YoY).
  • Capital: net worth / assets of 21.71%, up 67 bps from a year ago.
  • Funding: loans stand at 39.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%-108 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-10 bps YoY

Efficiency Ratio (YTD, annualized)

61.03%+1,200 bps YoY

Net Worth / Assets

21.71%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.70%2.56%2.27%2.12%1.63%-108 bps
Return on Equity12.86%11.76%10.49%9.71%7.49%-536 bps
Net Interest Margin3.68%3.78%3.71%3.61%3.58%-10 bps
Efficiency Ratio49.03%50.34%52.90%53.96%61.03%+1,200 bps
Growth
Asset Growth (YoY)5.15%6.25%6.27%3.25%5.05%-10 bps
Loan Growth (YoY)-5.59%-5.70%-10.34%-6.07%-8.95%-336 bps
Share Growth (YoY)3.02%3.75%4.10%0.36%3.32%+30 bps
Asset Quality
Delinquent Loans / Loans0.12%0.10%0.30%0.04%0.09%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.04%21.74%21.67%21.86%21.71%+67 bps
Net Worth / Assets21.04%21.74%21.67%21.86%21.71%+67 bps
Liquidity & Funding
Loans / Shares44.90%44.41%41.94%42.01%39.57%-533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps