PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Beauregard School Employees

Deridder, LA · Charter 17861

NCUA · 1 branch

Q2 2026

$30.9MAssets
$17.6MLoans
$26.9MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, up 48 bps year over year; NIM at 2.00%.
  • Asset quality: problem loans at 0.61% of loans (+47 bps YoY).
  • Capital: net worth / assets of 12.93%, up 25 bps from a year ago.
  • Funding: loans stand at 65.40% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.87%+48 bps YoY

Net Interest Margin (YTD, annualized)

2.00%+51 bps YoY

Efficiency Ratio (YTD, annualized)

55.51%-1,592 bps YoY

Net Worth / Assets

12.93%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.20%0.21%0.40%0.55%0.56%0.83%0.87%+48 bps
Return on Equity2.03%1.53%1.66%3.12%4.34%4.36%6.48%6.76%+364 bps
Net Interest Margin1.39%1.28%1.27%1.49%1.60%1.67%1.91%2.00%+51 bps
Efficiency Ratio76.76%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 / Loans0.82%0.33%0.30%0.14%0.43%0.50%0.31%0.61%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.03%12.83%12.78%12.68%12.68%12.78%12.82%12.93%+25 bps
Net Worth / Assets13.03%12.83%12.78%12.68%12.68%12.78%12.82%12.93%+25 bps
Liquidity & Funding
Loans / Shares76.76%74.89%73.54%72.28%71.64%70.16%66.95%65.40%-688 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps