PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Section 705 Federal Credit Union

Lafayette, LA · Charter 18749

NCUA · 1 branch

Q2 2026

$43.0MAssets
$30.2MLoans
$39.1MShares
$3.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, up 70 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 2.03% of loans (+84 bps YoY).
  • Capital: net worth / assets of 7.91%, up 63 bps from a year ago.
  • Funding: loans stand at 77.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.23%+70 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+70 bps YoY

Efficiency Ratio (quarter, annualized)

92.02%-991 bps YoY

Net Worth / Assets

7.91%+63 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin2.90%3.00%3.27%3.43%3.60%+70 bps
Efficiency Ratio101.93%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 / Loans1.19%1.53%2.85%2.24%2.03%+84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.28%7.27%7.69%7.52%7.91%+63 bps
Net Worth / Assets7.28%7.27%7.69%7.52%7.91%+63 bps
Liquidity & Funding
Loans / Shares76.68%75.81%78.05%75.81%77.21%+52 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps