PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Acadiana Medical

Lafayette, LA · Charter 19249

NCUA · 2 branches

Q2 2026

$13.5MAssets
$6.0MLoans
$10.0MShares
$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 1.06%, down 107 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.47%, up 184 bps from a year ago.
  • Funding: loans stand at 60.05% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.06%-107 bps YoY

Net Interest Margin (quarter, annualized)

4.36%-32 bps YoY

Efficiency Ratio (quarter, annualized)

79.00%+1,766 bps YoY

Net Worth / Assets

25.47%+184 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.13%1.99%1.97%1.03%1.06%-107 bps
Return on Equity9.02%8.08%7.75%4.13%4.15%-487 bps
Net Interest Margin4.68%4.81%4.96%4.38%4.36%-32 bps
Efficiency Ratio61.34%64.53%65.40%79.01%79.00%+1,766 bps
Growth
Asset Growth (YoY)-4.30%-6.25%-4.22%-2.07%-2.36%+194 bps
Loan Growth (YoY)-8.73%-11.14%-8.34%-10.14%-11.68%-295 bps
Share Growth (YoY)-7.89%-10.39%-7.82%-4.52%-4.62%+328 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital23.63%24.64%25.45%24.99%25.47%+184 bps
Net Worth / Assets23.63%24.64%25.45%24.99%25.47%+184 bps
Liquidity & Funding
Loans / Shares64.86%65.16%66.48%60.69%60.05%-480 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps