Baton Rouge, LA · Charter 1726
NCUA · 4 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 the Baton Rouge, LA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
76
Profitability
34
Liquidity
0
Efficiency
76
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.
Baton Rouge, LA · Charter 1726
NCUA · 4 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 | 0.38% | 0.63% | 0.42% | 0.44% | 0.45% | 0.62% | 0.94% | 0.59% | +16 bps | |
| Return on Equity | 3.20% | 5.13% | 3.46% | 3.57% | 3.76% | 5.05% | 7.53% | 4.78% | +121 bps | |
| Net Interest Margin | 2.70% | 2.74% | 2.93% | 3.00% | 2.99% | 3.04% | 3.12% | 3.15% | +16 bps | |
| Efficiency Ratio | 77.36% | 73.69% | 70.68% | 72.51% | 71.78% | 69.36% | 66.64% | 72.51% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | -2.58% | -1.51% | 0.58% | 3.30% | 2.69% | 3.20% | 2.78% | +220 bps | |
| Loan Growth (YoY) | 0.93% | -1.76% | -1.11% | -0.18% | 0.32% | 1.81% | 1.74% | 1.24% | +142 bps | |
| Share Growth (YoY) | 4.33% | -0.73% | -0.61% | 1.90% | 1.65% | 5.08% | 4.07% | 3.62% | +172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.65% | 0.49% | 0.43% | 0.48% | 0.47% | 0.32% | 0.36% | -6 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 | 11.97% | 12.28% | 12.27% | 12.30% | 12.06% | 12.37% | 12.42% | 12.45% | +15 bps | |
| Net Worth / Assets | 11.97% | 12.28% | 12.27% | 12.30% | 12.06% | 12.37% | 12.42% | 12.45% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.18% | 106.09% | 103.19% | 102.84% | 101.82% | 102.80% | 100.88% | 100.48% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baton Rouge, LA · Charter 1726 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)
NCUA · 4 branches
Q2 2026
Return on Assets
0.59%
Rank 11 of 21
Net Interest Margin
3.15%
Rank 20 of 21
Efficiency Ratio
72.50%
Rank 6 of 21
Equity / Assets
12.45%
Rank 13 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.20% | 0.59% | 1.13% | Beats 48% | 11 / 21 | ||
| Return on Equity | 4.78% | 1.01% | 4.78% | 7.97% | Beats 48% | 11 / 21 | ||
| Net Interest Margin | 3.15% | 3.81% | 3.95% | 4.86% | Beats 5% | 20 / 21 | ||
| Efficiency Ratio | 72.50% | 72.50% | 80.80% | 90.61% | Beats 76% | 6 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.36% | 0.80% | 1.45% | Beats 76% | 6 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.45% | 11.23% | 14.10% | 17.49% | Beats 38% | 13 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.45% | 11.23% | 14.10% | 17.49% | Beats 38% | 13 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.48% | 58.58% | 76.49% | 83.93% | 95th pctl | 1 / 21 | ||
| Loans / Assets | 87.64% | 53.07% | 62.76% | 69.97% | 95th pctl | 1 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||