Houma, LA · Charter 20002
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 | 0.79% | 0.33% | 0.08% | -0.33% | 0.52% | -26 bps | |
| Return on Equity | 9.84% | 4.20% | 1.17% | -5.25% | 7.84% | -201 bps | |
| Net Interest Margin | 5.44% | 5.41% | 5.51% | 5.07% | 5.08% | -35 bps | |
| Efficiency Ratio | 88.48% | 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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.97% | 7.80% | 6.48% | 6.30% | 6.65% | -132 bps | |
| Net Worth / Assets | 7.97% | 7.80% | 6.48% | 6.30% | 6.65% | -132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |