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Baton Rouge Telco

Baton Rouge, LA · Charter 1726

NCUA · 4 branches

Q2 2026

$457.7MAssets
$401.2MLoans
$399.2MShares
$57.0MNet 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 0.59%, up 16 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.36% of loans (-6 bps YoY).
  • Capital: net worth / assets of 12.45%, up 15 bps from a year ago.
  • Funding: loans stand at 100.48% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.15%+16 bps YoY

Efficiency Ratio (quarter, annualized)

72.51%0 bps YoY

Net Worth / Assets

12.45%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.45%0.62%0.94%0.59%+16 bps
Return on Equity3.57%3.76%5.05%7.53%4.78%+121 bps
Net Interest Margin3.00%2.99%3.04%3.12%3.15%+16 bps
Efficiency Ratio72.51%71.78%69.36%66.64%72.51%0 bps
Growth
Asset Growth (YoY)0.58%3.30%2.69%3.20%2.78%+220 bps
Loan Growth (YoY)-0.18%0.32%1.81%1.74%1.24%+142 bps
Share Growth (YoY)1.90%1.65%5.08%4.07%3.62%+172 bps
Asset Quality
Delinquent Loans / Loans0.43%0.48%0.47%0.32%0.36%-6 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 Capital12.30%12.06%12.37%12.42%12.45%+15 bps
Net Worth / Assets12.30%12.06%12.37%12.42%12.45%+15 bps
Liquidity & Funding
Loans / Shares102.84%101.82%102.80%100.88%100.48%-236 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps