Ferriday, LA · Charter 17396
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 0.22% | 0.48% | 0.02% | 0.66% | 0.24% | 0.68% | 0.58% | +55 bps | |
| Return on Equity | 14.74% | 2.10% | 4.59% | 0.23% | 5.90% | 2.20% | 6.35% | 5.37% | +514 bps | |
| Net Interest Margin | 6.33% | 6.18% | 6.60% | 5.93% | 6.18% | 6.10% | 4.82% | 5.01% | -93 bps | |
| Efficiency Ratio | 67.23% | 76.56% | 93.68% | 88.38% | 81.18% | 90.32% | 88.23% | 90.38% | +200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.16% | -3.87% | -5.50% | -1.74% | -3.63% | -2.07% | 0.52% | -1.20% | +54 bps | |
| Loan Growth (YoY) | -4.77% | -0.79% | 0.52% | -2.02% | -1.75% | -5.18% | -10.61% | -14.86% | -1,284 bps | |
| Share Growth (YoY) | -6.89% | -4.60% | -6.08% | -1.61% | -3.47% | -2.38% | 0.41% | -1.65% | -4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.95% | 8.92% | 2.51% | 2.08% | 2.25% | 1.94% | 6.14% | 5.93% | +385 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 | 2.31% | 3.79% | 2.18% | 2.48% | 2.47% | 2.36% | 2.61% | 2.05% | -43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.32% | 10.45% | 10.57% | 10.23% | 11.17% | 10.76% | 10.65% | 10.72% | +49 bps | |
| Net Worth / Assets | 11.32% | 10.45% | 10.57% | 10.23% | 11.17% | 10.76% | 10.65% | 10.72% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.70% | 73.68% | 71.05% | 67.90% | 76.04% | 71.57% | 63.25% | 58.78% | -912 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |