Houma, LA · Charter 20002
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 LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
39
Profitability
73
Liquidity
34
Efficiency
11
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.
Houma, LA · Charter 20002
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 | 0.23% | -0.73% | 1.38% | 0.79% | 0.33% | 0.08% | -0.33% | 0.52% | -26 bps | |
| Return on Equity | 2.41% | -9.69% | 17.35% | 9.84% | 4.20% | 1.17% | -5.25% | 7.84% | -201 bps | |
| Net Interest Margin | 5.49% | 5.62% | 5.43% | 5.44% | 5.41% | 5.51% | 5.07% | 5.08% | -35 bps | |
| Efficiency Ratio | 94.66% | 95.49% | 81.42% | 88.48% | 91.99% | 93.85% | 105.66% | 105.17% | +1,670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.30% | -7.69% | -7.59% | -3.09% | -2.45% | -1.56% | -0.05% | -0.22% | +288 bps | |
| Loan Growth (YoY) | -4.49% | -5.96% | -4.71% | -2.68% | -4.28% | -2.01% | -1.96% | -7.23% | -455 bps | |
| Share Growth (YoY) | -7.49% | -6.51% | -7.27% | -2.82% | -1.87% | -1.91% | 0.22% | 0.49% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.43% | 1.50% | 0.44% | 0.57% | 0.99% | 1.00% | 1.68% | +124 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 | 9.54% | 7.58% | 7.93% | 7.97% | 7.80% | 6.48% | 6.30% | 6.65% | -132 bps | |
| Net Worth / Assets | 9.54% | 7.58% | 7.93% | 7.97% | 7.80% | 6.48% | 6.30% | 6.65% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.57% | 94.07% | 93.91% | 94.80% | 92.24% | 93.97% | 91.86% | 87.52% | -728 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houma, LA · Charter 20002 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
0.52%
Rank 31 of 57
Net Interest Margin
5.08%
Rank 7 of 57
Efficiency Ratio
105.28%
Rank 51 of 56
Equity / Assets
6.65%
Rank 56 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.18% | 0.61% | 1.03% | Beats 46% | 31 / 57 | ||
| Return on Equity | 7.82% | 0.88% | 3.71% | 5.62% | Beats 84% | 9 / 57 | ||
| Net Interest Margin | 5.08% | 3.51% | 3.94% | 4.60% | Beats 88% | 7 / 57 | ||
| Efficiency Ratio | 105.28% | 76.49% | 84.29% | 92.65% | Beats 11% | 51 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.68% | 0.35% | 1.18% | 2.04% | Beats 39% | 36 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.65% | 11.86% | 15.46% | 23.44% | Beats 2% | 56 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.65% | 11.86% | 15.46% | 23.44% | Beats 2% | 56 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.52% | 55.77% | 71.07% | 79.18% | 81st pctl | 11 / 57 | ||
| Loans / Assets | 81.98% | 44.60% | 59.45% | 67.17% | 95th pctl | 3 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||