Baton Rouge, LA · Charter 19131
NCUA · 1 branch
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.41% | 0.98% | 0.80% | 1.07% | 0.77% | 2.18% | -2.49% | -330 bps | |
| Return on Equity | 2.72% | 1.61% | 3.58% | 2.82% | 3.64% | 2.59% | 7.29% | -8.08% | -1,091 bps | |
| Net Interest Margin | 3.56% | 3.81% | 4.38% | 4.70% | 4.94% | 4.96% | 4.52% | 4.81% | +11 bps | |
| Efficiency Ratio | 81.48% | 82.03% | 77.64% | 82.94% | 78.33% | 76.61% | 51.84% | 151.73% | +6,879 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | -7.82% | -11.86% | -15.90% | -14.70% | -11.21% | -4.86% | -10.21% | +569 bps | |
| Loan Growth (YoY) | -19.66% | -21.28% | -20.24% | -13.78% | -11.46% | -15.91% | -20.20% | -22.07% | -830 bps | |
| Share Growth (YoY) | -5.52% | -10.78% | -16.31% | -21.16% | -20.02% | -15.72% | -7.73% | -13.10% | +807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.06% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.93% | 5.53% | 5.88% | 5.82% | 6.02% | 8.74% | 8.89% | 7.87% | +205 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.59% | 25.65% | 27.50% | 28.47% | 29.50% | 29.66% | 29.95% | 30.85% | +238 bps | |
| Net Worth / Assets | 24.59% | 25.65% | 27.50% | 28.47% | 29.50% | 29.66% | 29.95% | 30.85% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.00% | 25.73% | 26.27% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |