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Livingston Parish

Denham Springs, LA · Charter 19295

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Baton Rouge, LA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Baton Rouge, LA area (n=21). 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer 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

Livingston Parish

Denham Springs, LA · Charter 19295

NCUA · 1 branch

Q2 2026

$11.9MAssets
$4.5MLoans
$9.3MShares
$2.4MNet 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 0.20%, down 29 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 4.89% of loans (+10 bps YoY).
  • Capital: net worth / assets of 19.99%, down 70 bps from a year ago.
  • Funding: loans stand at 48.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.20%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-32 bps YoY

Efficiency Ratio (YTD, annualized)

94.85%+680 bps YoY

Net Worth / Assets

19.99%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.06%0.19%0.22%0.20%-29 bps
Return on Equity2.35%0.29%0.93%1.07%0.99%-136 bps
Net Interest Margin3.72%3.72%3.70%3.45%3.40%-32 bps
Efficiency Ratio88.06%88.77%88.60%94.22%94.85%+680 bps
Growth
Asset Growth (YoY)9.77%7.03%3.05%0.72%3.76%-601 bps
Loan Growth (YoY)2.00%1.07%-4.72%-7.92%-10.24%-1,224 bps
Share Growth (YoY)10.75%7.80%2.93%0.66%4.75%-600 bps
Asset Quality
Delinquent Loans / Loans4.80%5.39%3.66%5.20%4.89%+10 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 Capital20.69%20.53%20.37%20.60%19.99%-70 bps
Net Worth / Assets20.69%20.53%20.37%20.60%19.99%-70 bps
Liquidity & Funding
Loans / Shares56.32%54.31%51.44%51.05%48.26%-806 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

Livingston Parish

Denham Springs, LA · Charter 19295 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)

NCUA · 1 branch

Q2 2026

$11.9MAssets
$4.5MLoans
$9.3MShares
$2.4MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 76% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 5 of 21).
  • Widest gap: net interest margin trails 81% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 17 of 21).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.20%

Rank 16 of 21

Net Interest Margin

3.40%

Rank 17 of 21

Efficiency Ratio

95.20%

Rank 17 of 21

Equity / Assets

19.99%

Rank 5 of 21

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.20%0.20%0.59%1.13%Beats 24%16 / 21
Return on Equity1.01%1.01%4.78%7.97%Beats 24%16 / 21
Net Interest Margin3.40%3.81%3.95%4.86%Beats 19%17 / 21
Efficiency Ratio95.20%72.50%80.80%90.61%Beats 24%17 / 21
Asset Quality
Nonperforming Loans / Loans4.90%0.36%0.80%1.45%Beats 24%17 / 21
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.99%11.23%14.10%17.49%Beats 76%5 / 21
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.99%11.23%14.10%17.49%Beats 76%5 / 21
Liquidity & Funding
Loans / Deposits48.26%58.58%76.49%83.93%10th pctl19 / 21
Loans / Assets37.95%53.07%62.76%69.97%10th pctl19 / 21
Brokered Deposits / Depositsn/aNot reported for this institution