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 | |