PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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