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New Orleans Public Belt Railroad

New Orleans, LA · Charter 1665

NCUA · 1 branch

Q2 2026

$379KAssets
$220KLoans
$282KShares
$93KNet 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 -2.46%, down 205 bps year over year; NIM at 6.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.56%, up 70 bps from a year ago.
  • Funding: loans stand at 78.04% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-2.46%-205 bps YoY

Net Interest Margin (quarter, annualized)

6.54%-57 bps YoY

Efficiency Ratio (quarter, annualized)

132.92%+3,064 bps YoY

Net Worth / Assets

24.56%+70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.41%-0.73%-0.58%-3.41%-2.46%-205 bps
Return on Equity-1.71%-3.05%-2.26%-13.68%-10.01%-831 bps
Net Interest Margin7.10%6.95%7.72%6.98%6.54%-57 bps
Efficiency Ratio102.28%106.58%103.66%143.84%132.92%+3,064 bps
Growth
Asset Growth (YoY)-17.25%-15.05%-20.40%-14.17%-8.76%+849 bps
Loan Growth (YoY)-10.44%-20.94%-18.16%-16.18%-15.42%-498 bps
Share Growth (YoY)-21.53%-18.51%-25.33%-17.57%-9.85%+1,167 bps
Asset Quality
Delinquent Loans / Loans0.00%0.15%1.04%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.85%2.98%3.02%3.42%3.01%+16 bps
Capital
Risk-Based Capital23.86%23.81%25.44%24.96%24.56%+70 bps
Net Worth / Assets23.86%23.81%25.44%24.96%24.56%+70 bps
Liquidity & Funding
Loans / Shares83.17%83.90%89.04%82.55%78.04%-513 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps