Deridder, LA · Charter 17861
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
52
Profitability
39
Liquidity
87
Efficiency
93
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.
Deridder, LA · Charter 17861
NCUA · 1 branch
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 | 0.26% | 0.20% | 0.21% | 0.40% | 0.55% | 0.56% | 0.83% | 0.87% | +48 bps | |
| Return on Equity | 2.03% | 1.53% | 1.66% | 3.12% | 4.34% | 4.36% | 6.48% | 6.76% | +364 bps | |
| Net Interest Margin | 1.39% | 1.28% | 1.27% | 1.49% | 1.60% | 1.67% | 1.91% | 2.00% | +51 bps | |
| Efficiency Ratio | 76.76% | 82.72% | 79.95% | 71.44% | 64.55% | 65.91% | 55.17% | 55.51% | -1,592 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.68% | -4.21% | 0.13% | 3.33% | 6.03% | 4.79% | 5.35% | 4.29% | +97 bps | |
| Loan Growth (YoY) | 5.77% | -0.13% | -0.61% | -1.35% | -0.65% | -2.03% | -4.13% | -5.87% | -452 bps | |
| Share Growth (YoY) | -4.37% | -0.83% | 1.25% | 5.34% | 6.44% | 4.58% | 5.30% | 4.03% | -131 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.33% | 0.30% | 0.14% | 0.43% | 0.50% | 0.31% | 0.61% | +47 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 | 13.03% | 12.83% | 12.78% | 12.68% | 12.68% | 12.78% | 12.82% | 12.93% | +25 bps | |
| Net Worth / Assets | 13.03% | 12.83% | 12.78% | 12.68% | 12.68% | 12.78% | 12.82% | 12.93% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.76% | 74.89% | 73.54% | 72.28% | 71.64% | 70.16% | 66.95% | 65.40% | -688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Deridder, LA · Charter 17861 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.87%
Rank 712 of 1,683
Net Interest Margin
2.00%
Rank 1,654 of 1,683
Efficiency Ratio
55.56%
Rank 120 of 1,682
Equity / Assets
12.93%
Rank 834 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 58% | 712 / 1,683 | ||
| Return on Equity | 6.76% | 2.67% | 5.89% | 8.74% | Beats 58% | 701 / 1,681 | ||
| Net Interest Margin | 2.00% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,654 / 1,683 | ||
| Efficiency Ratio | 55.56% | 68.91% | 78.20% | 86.93% | Beats 93% | 120 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.26% | 0.65% | 1.29% | Beats 52% | 806 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.93% | 10.44% | 12.89% | 16.53% | Beats 50% | 834 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.93% | 10.44% | 12.89% | 16.53% | Beats 50% | 834 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.40% | 52.61% | 69.38% | 83.50% | 43rd pctl | 966 / 1,683 | ||
| Loans / Assets | 56.90% | 44.71% | 59.18% | 70.72% | 45th pctl | 919 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||