Houma, LA · Charter 18462
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 in LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
12
Profitability
36
Liquidity
92
Efficiency
12
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.
Houma, LA · Charter 18462
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.05% | 1.16% | 0.87% | -0.73% | -0.36% | -241 bps | |
| Return on Equity | 25.40% | 14.29% | 10.58% | -9.06% | -4.45% | -2,985 bps | |
| Net Interest Margin | 5.42% | 5.54% | 5.66% | 5.40% | 5.75% | +33 bps | |
| Efficiency Ratio | 59.19% | 70.15% | 75.62% | 112.46% | 105.68% | +4,649 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.34% | 2.38% | 0.42% | -4.63% | -4.84% | -1,018 bps | |
| Loan Growth (YoY) | -12.15% | -12.65% | -11.90% | -10.38% | -0.20% | +1,195 bps | |
| Share Growth (YoY) | 4.31% | 1.58% | -0.47% | -3.94% | -4.92% | -923 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.34% | 1.73% | 0.21% | 1.58% | 3.10% | +76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 3.03% | 2.33% | 2.33% | 2.16% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.05% | 8.09% | 8.22% | 8.09% | 8.08% | +3 bps | |
| Net Worth / Assets | 8.05% | 8.09% | 8.22% | 8.09% | 8.08% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.34% | 66.33% | 63.96% | 64.11% | 68.57% | +324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houma, LA · Charter 18462 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.33%
Rank 52 of 57
Net Interest Margin
5.77%
Rank 5 of 57
Efficiency Ratio
105.13%
Rank 50 of 56
Equity / Assets
8.09%
Rank 53 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | 0.18% | 0.61% | 1.03% | Beats 9% | 52 / 57 | |
| Return on Equity | -4.02% | 0.88% | 3.71% | 5.62% | Beats 7% | 53 / 57 | |
| Net Interest Margin | 5.77% | 3.51% | 3.94% | 4.60% | Beats 91% | 5 / 57 | |
| Efficiency Ratio | 105.13% | 76.49% | 84.29% | 92.65% | Beats 12% | 50 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.10% | 0.35% | 1.18% | 2.04% | Beats 12% | 51 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.09% | 11.86% | 15.46% | 23.44% | Beats 7% | 53 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.09% | 11.86% | 15.46% | 23.44% | Beats 7% | 53 / 57 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.59% | 55.77% | 71.07% | 79.18% | 46th pctl | 31 / 57 | |
| Loans / Assets | 62.82% | 44.60% | 59.45% | 67.17% | 60th pctl | 23 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||