Houma, LA · Charter 18462
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 | 0.02% | 0.05% | 6.90% | 2.05% | 1.16% | 0.87% | -0.73% | -0.36% | -241 bps | |
| Return on Equity | 0.33% | 0.71% | 78.62% | 25.40% | 14.29% | 10.58% | -9.06% | -4.45% | -2,985 bps | |
| Net Interest Margin | 5.21% | 5.26% | 5.35% | 5.42% | 5.54% | 5.66% | 5.40% | 5.75% | +33 bps | |
| Efficiency Ratio | 97.19% | 97.34% | 40.94% | 59.19% | 70.15% | 75.62% | 112.46% | 105.68% | +4,649 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.28% | -0.69% | 5.38% | 5.34% | 2.38% | 0.42% | -4.63% | -4.84% | -1,018 bps | |
| Loan Growth (YoY) | 9.39% | -2.09% | -6.98% | -12.15% | -12.65% | -11.90% | -10.38% | -0.20% | +1,195 bps | |
| Share Growth (YoY) | -0.13% | -0.81% | 3.67% | 4.31% | 1.58% | -0.47% | -3.94% | -4.92% | -923 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.68% | 3.88% | 1.71% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.26% | 0.83% | 1.84% | 3.03% | 2.33% | 2.33% | 2.16% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.36% | 7.38% | 8.78% | 8.05% | 8.09% | 8.22% | 8.09% | 8.08% | +3 bps | |
| Net Worth / Assets | 7.36% | 7.38% | 8.78% | 8.05% | 8.09% | 8.22% | 8.09% | 8.08% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.14% | 72.26% | 68.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |