PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

La Terre

Houma, LA · Charter 20002

NCUA · 1 branch

Q2 2026

$25.4MAssets
$20.8MLoans
$23.8MShares
$1.7MNet 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 0.52%, down 26 bps year over year; NIM at 5.08%.
  • Asset quality: problem loans at 1.68% of loans (+124 bps YoY).
  • Capital: net worth / assets of 6.65%, down 132 bps from a year ago.
  • Funding: loans stand at 87.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-26 bps YoY

Net Interest Margin (YTD, annualized)

5.08%-35 bps YoY

Efficiency Ratio (YTD, annualized)

105.17%+1,670 bps YoY

Net Worth / Assets

6.65%-132 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.33%0.08%-0.33%0.52%-26 bps
Return on Equity9.84%4.20%1.17%-5.25%7.84%-201 bps
Net Interest Margin5.44%5.41%5.51%5.07%5.08%-35 bps
Efficiency Ratio88.48%91.99%93.85%105.66%105.17%+1,670 bps
Growth
Asset Growth (YoY)-3.09%-2.45%-1.56%-0.05%-0.22%+288 bps
Loan Growth (YoY)-2.68%-4.28%-2.01%-1.96%-7.23%-455 bps
Share Growth (YoY)-2.82%-1.87%-1.91%0.22%0.49%+331 bps
Asset Quality
Delinquent Loans / Loans0.44%0.57%0.99%1.00%1.68%+124 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 Capital7.97%7.80%6.48%6.30%6.65%-132 bps
Net Worth / Assets7.97%7.80%6.48%6.30%6.65%-132 bps
Liquidity & Funding
Loans / Shares94.80%92.24%93.97%91.86%87.52%-728 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps