Denham Springs, LA · Charter 19295
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.06% | 0.19% | 0.22% | 0.20% | -29 bps | |
| Return on Equity | 2.35% | 0.29% | 0.93% | 1.07% | 0.99% | -136 bps | |
| Net Interest Margin | 3.72% | 3.72% | 3.70% | 3.45% | 3.40% | -32 bps | |
| Efficiency Ratio | 88.06% | 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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.69% | 20.53% | 20.37% | 20.60% | 19.99% | -70 bps | |
| Net Worth / Assets | 20.69% | 20.53% | 20.37% | 20.60% | 19.99% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |