West Monroe, LA · Charter 1725
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets in LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
33
Profitability
73
Liquidity
48
Efficiency
71
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.
West Monroe, LA · Charter 1725
NCUA · 2 branches
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 | 1.54% | 1.28% | 1.29% | 0.73% | 0.81% | 0.76% | 1.27% | 1.13% | +39 bps | |
| Return on Equity | 11.54% | 9.54% | 9.82% | 5.80% | 6.29% | 5.75% | 9.52% | 8.16% | +236 bps | |
| Net Interest Margin | 4.31% | 4.37% | 4.22% | 4.04% | 4.07% | 4.13% | 3.92% | 3.97% | -7 bps | |
| Efficiency Ratio | 70.25% | 73.66% | 75.37% | 81.00% | 81.53% | 81.44% | 75.43% | 77.29% | -371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.62% | -2.09% | 1.72% | 6.83% | 9.12% | 7.75% | 4.40% | -1.64% | -847 bps | |
| Loan Growth (YoY) | 19.09% | 6.63% | 6.00% | -1.24% | -2.06% | -1.95% | -3.54% | 6.87% | +811 bps | |
| Share Growth (YoY) | -4.36% | -3.45% | 0.38% | 6.96% | 9.52% | 8.09% | 4.82% | -2.77% | -972 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.88% | 1.36% | 1.47% | 1.68% | 1.33% | 1.33% | 1.86% | +39 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.32% | 13.39% | 13.12% | 12.63% | 12.92% | 13.17% | 13.31% | 13.78% | +115 bps | |
| Net Worth / Assets | 13.32% | 13.39% | 13.12% | 12.63% | 12.92% | 13.17% | 13.31% | 13.78% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.08% | 55.99% | 53.54% | 49.33% | 51.05% | 50.79% | 49.27% | 54.22% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Monroe, LA · Charter 1725 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
Return on Assets
1.13%
Rank 12 of 57
Net Interest Margin
3.97%
Rank 27 of 57
Efficiency Ratio
77.26%
Rank 17 of 56
Equity / Assets
13.78%
Rank 36 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.18% | 0.61% | 1.03% | Beats 79% | 12 / 57 | ||
| Return on Equity | 8.17% | 0.88% | 3.71% | 5.62% | Beats 88% | 7 / 57 | ||
| Net Interest Margin | 3.97% | 3.51% | 3.94% | 4.60% | Beats 53% | 27 / 57 | ||
| Efficiency Ratio | 77.26% | 76.49% | 84.29% | 92.65% | Beats 71% | 17 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.86% | 0.35% | 1.18% | 2.04% | Beats 33% | 39 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.78% | 11.86% | 15.46% | 23.44% | Beats 37% | 36 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.78% | 11.86% | 15.46% | 23.44% | Beats 37% | 36 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.22% | 55.77% | 71.07% | 79.18% | 21st pctl | 45 / 57 | ||
| Loans / Assets | 46.41% | 44.60% | 59.45% | 67.17% | 26th pctl | 42 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||