Lafayette, LA · Charter 19249
NCUA · 2 branches
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
82
Asset Quality
100
Profitability
65
Liquidity
66
Efficiency
62
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 19249
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 2.24% | 2.02% | 2.13% | 1.99% | 1.97% | 1.03% | 1.06% | -107 bps | |
| Return on Equity | 8.99% | 9.96% | 8.81% | 9.02% | 8.08% | 7.75% | 4.13% | 4.15% | -487 bps | |
| Net Interest Margin | 4.50% | 4.72% | 4.66% | 4.68% | 4.81% | 4.96% | 4.38% | 4.36% | -32 bps | |
| Efficiency Ratio | 55.87% | 56.83% | 62.74% | 61.34% | 64.53% | 65.40% | 79.01% | 79.00% | +1,766 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | -0.64% | -1.37% | -4.30% | -6.25% | -4.22% | -2.07% | -2.36% | +194 bps | |
| Loan Growth (YoY) | 18.01% | 6.09% | -2.52% | -8.73% | -11.14% | -8.34% | -10.14% | -11.68% | -295 bps | |
| Share Growth (YoY) | -1.01% | -3.51% | -4.68% | -7.89% | -10.39% | -7.82% | -4.52% | -4.62% | +328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.11% | 22.49% | 22.95% | 23.63% | 24.64% | 25.45% | 24.99% | 25.47% | +184 bps | |
| Net Worth / Assets | 21.11% | 22.49% | 22.95% | 23.63% | 24.64% | 25.45% | 24.99% | 25.47% | +184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.70% | 66.86% | 64.49% | 64.86% | 65.16% | 66.48% | 60.69% | 60.05% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lafayette, LA · Charter 19249 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
Return on Assets
1.05%
Rank 14 of 57
Net Interest Margin
4.36%
Rank 19 of 57
Efficiency Ratio
79.02%
Rank 22 of 56
Equity / Assets
25.47%
Rank 10 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.18% | 0.61% | 1.03% | Beats 75% | 14 / 57 | ||
| Return on Equity | 4.12% | 0.88% | 3.71% | 5.62% | Beats 54% | 26 / 57 | ||
| Net Interest Margin | 4.36% | 3.51% | 3.94% | 4.60% | Beats 67% | 19 / 57 | ||
| Efficiency Ratio | 79.02% | 76.49% | 84.29% | 92.65% | Beats 62% | 22 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.35% | 1.18% | 2.04% | Beats 100% | 7 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.47% | 11.86% | 15.46% | 23.44% | Beats 82% | 10 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.47% | 11.86% | 15.46% | 23.44% | Beats 82% | 10 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.05% | 55.77% | 71.07% | 79.18% | 32nd pctl | 39 / 57 | ||
| Loans / Assets | 44.60% | 44.60% | 59.45% | 67.17% | 25th pctl | 43 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||