Zachary, LA · Charter 19320
NCUA · 3 branches
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
67
Asset Quality
52
Profitability
76
Liquidity
85
Efficiency
86
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.
Zachary, LA · Charter 19320
NCUA · 3 branches
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 | 0.74% | 0.87% | 1.31% | 1.65% | 1.54% | 1.60% | 1.63% | 1.67% | +2 bps | |
| Return on Equity | 5.75% | 9.06% | 8.80% | 10.68% | 9.63% | 9.72% | 9.89% | 9.83% | -85 bps | |
| Net Interest Margin | 3.22% | 3.46% | 4.20% | 4.15% | 4.24% | 4.29% | 4.28% | 4.30% | +15 bps | |
| Efficiency Ratio | 75.58% | 74.35% | 74.00% | 69.73% | 69.43% | 69.07% | 69.72% | 67.60% | -214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 50.13% | 44.92% | 39.30% | -7.91% | -7.64% | -4.74% | -0.18% | -0.36% | +754 bps | |
| Loan Growth (YoY) | 33.56% | 28.23% | 28.09% | -3.72% | -3.57% | -2.63% | 0.63% | 0.76% | +448 bps | |
| Share Growth (YoY) | 40.58% | 35.20% | 35.58% | -6.01% | -5.55% | -2.66% | -2.36% | -2.55% | +346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.41% | 0.86% | 0.91% | 0.65% | 0.95% | 0.41% | 0.80% | -11 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 | 12.91% | 9.58% | 14.91% | 15.43% | 16.00% | 16.45% | 16.51% | 16.99% | +156 bps | |
| Net Worth / Assets | 12.91% | 9.58% | 14.91% | 15.43% | 16.00% | 16.45% | 16.51% | 16.99% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.63% | 71.68% | 68.32% | 70.01% | 72.11% | 71.70% | 70.42% | 72.38% | +238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Zachary, LA · Charter 19320 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)
NCUA · 3 branches
Q2 2026
Return on Assets
1.67%
Rank 3 of 21
Net Interest Margin
4.30%
Rank 9 of 21
Efficiency Ratio
67.63%
Rank 4 of 21
Equity / Assets
16.99%
Rank 7 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.20% | 0.59% | 1.13% | Beats 86% | 3 / 21 | ||
| Return on Equity | 9.83% | 1.01% | 4.78% | 7.97% | Beats 86% | 3 / 21 | ||
| Net Interest Margin | 4.30% | 3.81% | 3.95% | 4.86% | Beats 57% | 9 / 21 | ||
| Efficiency Ratio | 67.63% | 72.50% | 80.80% | 90.61% | Beats 86% | 4 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.36% | 0.80% | 1.45% | Beats 52% | 11 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.99% | 11.23% | 14.10% | 17.49% | Beats 67% | 7 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.99% | 11.23% | 14.10% | 17.49% | Beats 67% | 7 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.38% | 58.58% | 76.49% | 83.93% | 43rd pctl | 12 / 21 | ||
| Loans / Assets | 59.27% | 53.07% | 62.76% | 69.97% | 29th pctl | 15 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||