Denham Springs, LA · Charter 19295
NCUA · 1 branch
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 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.
Capital
76
Asset Quality
24
Profitability
22
Liquidity
0
Efficiency
24
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.
Denham Springs, LA · Charter 19295
NCUA · 1 branch
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 | 0.68% | 0.72% | 0.56% | 0.49% | 0.06% | 0.19% | 0.22% | 0.20% | -29 bps | |
| Return on Equity | 3.13% | 3.47% | 2.71% | 2.35% | 0.29% | 0.93% | 1.07% | 0.99% | -136 bps | |
| Net Interest Margin | 4.51% | 4.23% | 3.83% | 3.72% | 3.72% | 3.70% | 3.45% | 3.40% | -32 bps | |
| Efficiency Ratio | 84.67% | 83.07% | 86.51% | 88.06% | 88.77% | 88.60% | 94.22% | 94.85% | +680 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.05% | 8.60% | 9.95% | 9.77% | 7.03% | 3.05% | 0.72% | 3.76% | -601 bps | |
| Loan Growth (YoY) | -3.37% | -1.78% | 1.73% | 2.00% | 1.07% | -4.72% | -7.92% | -10.24% | -1,224 bps | |
| Share Growth (YoY) | -6.85% | 9.76% | 10.50% | 10.75% | 7.80% | 2.93% | 0.66% | 4.75% | -600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.65% | 1.82% | 5.09% | 4.80% | 5.39% | 3.66% | 5.20% | 4.89% | +10 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 | 21.67% | 20.79% | 20.64% | 20.69% | 20.53% | 20.37% | 20.60% | 19.99% | -70 bps | |
| Net Worth / Assets | 21.67% | 20.79% | 20.64% | 20.69% | 20.53% | 20.37% | 20.60% | 19.99% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.93% | 55.57% | 55.81% | 56.32% | 54.31% | 51.44% | 51.05% | 48.26% | -806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.20% | 0.20% | 0.59% | 1.13% | Beats 24% | 16 / 21 | ||
| Return on Equity | 1.01% | 1.01% | 4.78% | 7.97% | Beats 24% | 16 / 21 | ||
| Net Interest Margin | 3.40% | 3.81% | 3.95% | 4.86% | Beats 19% | 17 / 21 | ||
| Efficiency Ratio | 95.20% | 72.50% | 80.80% | 90.61% | Beats 24% | 17 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.90% | 0.36% | 0.80% | 1.45% | Beats 24% | 17 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.99% | 11.23% | 14.10% | 17.49% | Beats 76% | 5 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.99% | 11.23% | 14.10% | 17.49% | Beats 76% | 5 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.26% | 58.58% | 76.49% | 83.93% | 10th pctl | 19 / 21 | ||
| Loans / Assets | 37.95% | 53.07% | 62.76% | 69.97% | 10th pctl | 19 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||