Baton Rouge, LA · Charter 19131
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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 the Baton Rouge, LA area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
100
Profitability
30
Liquidity
0
Efficiency
9
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.
Baton Rouge, LA · Charter 19131
NCUA · 1 branch
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 1.07% | 0.77% | 2.18% | -2.49% | -330 bps | |
| Return on Equity | 2.82% | 3.64% | 2.59% | 7.29% | -8.08% | -1,091 bps | |
| Net Interest Margin | 4.70% | 4.94% | 4.96% | 4.52% | 4.81% | +11 bps | |
| Efficiency Ratio | 82.94% | 78.33% | 76.61% | 51.84% | 151.73% | +6,879 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.90% | -14.70% | -11.21% | -4.86% | -10.21% | +569 bps | |
| Loan Growth (YoY) | -13.78% | -11.46% | -15.91% | -20.20% | -22.07% | -830 bps | |
| Share Growth (YoY) | -21.16% | -20.02% | -15.72% | -7.73% | -13.10% | +807 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.11% | 0.43% | 1.22% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.82% | 6.02% | 8.74% | 8.89% | 7.87% | +205 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.47% | 29.50% | 29.66% | 29.95% | 30.85% | +238 bps | |
| Net Worth / Assets | 28.47% | 29.50% | 29.66% | 29.95% | 30.85% | +238 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.60% | 27.67% | 25.67% | 22.72% | 24.75% | -285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baton Rouge, LA · Charter 19131 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=23)
NCUA · 1 branch
Q2 2025
Return on Assets
-2.49%
Rank 22 of 23
Net Interest Margin
4.80%
Rank 5 of 23
Efficiency Ratio
152.48%
Rank 22 of 23
Equity / Assets
30.85%
Rank 1 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.49% | -0.16% | 0.49% | 1.46% | Beats 4% | 22 / 23 | |
| Return on Equity | -8.06% | -1.42% | 3.57% | 8.90% | Beats 9% | 21 / 23 | |
| Net Interest Margin | 4.80% | 3.65% | 4.13% | 4.73% | Beats 78% | 5 / 23 | |
| Efficiency Ratio | 152.48% | 68.69% | 80.35% | 92.75% | Beats 9% | 22 / 23 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.43% | 0.69% | 2.75% | Beats 100% | 1 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 30.85% | 11.14% | 14.79% | 18.64% | Beats 96% | 1 / 23 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 30.85% | 11.14% | 14.79% | 18.64% | Beats 96% | 1 / 23 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 24.75% | 56.32% | 74.45% | 85.98% | 0th pctl | 23 / 23 | |
| Loans / Assets | 17.10% | 48.51% | 64.77% | 70.95% | 0th pctl | 23 / 23 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||