Lafayette, LA · Charter 18749
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
5
Asset Quality
28
Profitability
33
Liquidity
75
Efficiency
27
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.
Lafayette, LA · Charter 18749
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 | -0.47% | -0.34% | -0.25% | 0.07% | 0.23% | +70 bps | |
| Return on Equity | -6.50% | -4.66% | -3.21% | 0.99% | 2.91% | +941 bps | |
| Net Interest Margin | 2.90% | 3.00% | 3.27% | 3.43% | 3.60% | +70 bps | |
| Efficiency Ratio | 101.93% | 99.90% | 97.18% | 96.55% | 92.02% | -991 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.18% | 2.29% | -1.56% | -3.46% | -7.64% | -982 bps | |
| Loan Growth (YoY) | -0.55% | 0.42% | -0.96% | -2.54% | -7.13% | -659 bps | |
| Share Growth (YoY) | 1.08% | 3.21% | -0.37% | -3.59% | -7.76% | -884 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 1.53% | 2.85% | 2.24% | 2.03% | +84 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.28% | 7.27% | 7.69% | 7.52% | 7.91% | +63 bps | |
| Net Worth / Assets | 7.28% | 7.27% | 7.69% | 7.52% | 7.91% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.68% | 75.81% | 78.05% | 75.81% | 77.21% | +52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lafayette, LA · Charter 18749 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
0.23%
Rank 41 of 57
Net Interest Margin
3.60%
Rank 40 of 57
Efficiency Ratio
92.03%
Rank 42 of 56
Equity / Assets
7.91%
Rank 54 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.18% | 0.61% | 1.03% | Beats 28% | 41 / 57 | |
| Return on Equity | 2.88% | 0.88% | 3.71% | 5.62% | Beats 42% | 33 / 57 | |
| Net Interest Margin | 3.60% | 3.51% | 3.94% | 4.60% | Beats 30% | 40 / 57 | |
| Efficiency Ratio | 92.03% | 76.49% | 84.29% | 92.65% | Beats 27% | 42 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.03% | 0.35% | 1.18% | 2.04% | Beats 28% | 42 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.91% | 11.86% | 15.46% | 23.44% | Beats 5% | 54 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.91% | 11.86% | 15.46% | 23.44% | Beats 5% | 54 / 57 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.21% | 55.77% | 71.07% | 79.18% | 70th pctl | 17 / 57 | |
| Loans / Assets | 70.16% | 44.60% | 59.45% | 67.17% | 84th pctl | 9 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||