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Louviers

Newark, DE · Charter 18765

NCUA · 4 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=55 to 56). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q3 2025peer median (50)

Asset Quality

73

Q2 2024Q3 2025peer median (50)

Profitability

21

Q2 2024Q3 2025peer median (50)

Liquidity

43

Q2 2024Q3 2025peer median

Efficiency

23

Q2 2024Q3 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Louviers

Newark, DE · Charter 18765

NCUA · 4 branches

Q3 2025

$220.3MAssets
$57.7MLoans
$201.5MShares
$38.5MNet 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 0.07%, down 12 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.36% of loans (-17 bps YoY).
  • Capital: net worth / assets of 17.49%, up 129 bps from a year ago.
  • Funding: loans stand at 28.65% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.07%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+22 bps YoY

Efficiency Ratio (YTD, annualized)

94.57%+311 bps YoY

Net Worth / Assets

17.49%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.19%0.20%-0.25%-0.07%0.07%-12 bps
Return on Equity1.19%1.15%-1.50%-0.38%0.42%-77 bps
Net Interest Margin2.37%2.52%2.44%2.55%2.58%+22 bps
Efficiency Ratio91.46%91.78%99.87%97.63%94.57%+311 bps
Growth
Asset Growth (YoY)-3.34%-9.32%-5.66%-7.96%-6.87%-353 bps
Loan Growth (YoY)8.19%3.71%0.90%-1.35%-2.82%-1,101 bps
Share Growth (YoY)-8.76%-10.58%-8.28%-10.17%-8.11%+64 bps
Asset Quality
Delinquent Loans / Loans0.53%0.64%0.64%0.52%0.36%-17 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 Capital16.19%17.24%16.82%17.38%17.49%+129 bps
Net Worth / Assets16.19%17.24%16.82%17.38%17.49%+129 bps
Liquidity & Funding
Loans / Shares27.09%28.14%27.42%28.40%28.65%+156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Louviers

Newark, DE · Charter 18765 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=55-56)

NCUA · 4 branches

Q3 2025

$220.3MAssets
$57.7MLoans
$201.5MShares
$38.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 55).
  • Widest gap: net interest margin trails 80% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 45 of 56).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.07%

Rank 44 of 56

Net Interest Margin

2.58%

Rank 45 of 56

Efficiency Ratio

94.57%

Rank 44 of 56

Equity / Assets

17.49%

Rank 16 of 56

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.07%0.16%0.70%1.28%Beats 21%44 / 56
Return on Equity0.42%0.86%5.98%8.96%Beats 21%44 / 56
Net Interest Margin2.58%2.68%3.33%4.18%Beats 20%45 / 56
Efficiency Ratio94.57%71.51%82.42%92.19%Beats 23%44 / 56
Asset Quality
Nonperforming Loans / Loans0.36%0.24%0.70%1.55%Beats 73%16 / 55
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.49%10.24%12.27%17.68%Beats 71%16 / 56
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.49%10.24%12.27%17.68%Beats 71%16 / 56
Liquidity & Funding
Loans / Deposits28.65%30.31%51.97%72.74%23rd pctl43 / 56
Loans / Assets26.20%25.06%44.63%60.81%27th pctl41 / 56
Brokered Deposits / Depositsn/aNot reported for this institution