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 | |