Sulphur, LA · Charter 20228
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
77
Asset Quality
25
Profitability
64
Liquidity
0
Efficiency
61
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.
Sulphur, LA · Charter 20228
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 | -1.21% | -1.19% | 0.62% | 0.29% | 0.24% | 0.09% | 0.77% | 0.94% | +64 bps | |
| Return on Equity | -6.12% | -6.04% | 3.13% | 1.44% | 1.17% | 0.46% | 3.53% | 3.84% | +240 bps | |
| Net Interest Margin | 1.22% | 1.62% | 3.23% | 3.29% | 3.31% | 3.38% | 4.50% | 4.41% | +113 bps | |
| Efficiency Ratio | 196.47% | 171.55% | 81.06% | 91.25% | 92.91% | 97.30% | 83.03% | 79.10% | -1,216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.96% | 2.02% | -2.34% | -5.94% | -3.55% | -4.20% | -11.35% | -13.42% | -748 bps | |
| Loan Growth (YoY) | 18.37% | 3.53% | 1.78% | -5.49% | -14.75% | -10.53% | -10.24% | -12.76% | -727 bps | |
| Share Growth (YoY) | 13.21% | 37.84% | 26.60% | 19.37% | 24.32% | -5.14% | -13.97% | -18.07% | -3,744 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 2.21% | 1.99% | 2.35% | 4.15% | 6.55% | 3.16% | 2.04% | -31 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 | 2.15% | 2.32% | 2.87% | 2.79% | 1.59% | 2.70% | 2.96% | 1.96% | -84 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.82% | 19.71% | 19.70% | 20.23% | 20.39% | 20.17% | 21.80% | 24.40% | +417 bps | |
| Net Worth / Assets | 19.82% | 19.71% | 19.70% | 20.23% | 20.39% | 20.17% | 21.80% | 24.40% | +417 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 149.15% | 111.91% | 109.54% | 109.94% | 102.29% | 105.55% | 114.29% | 117.06% | +712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sulphur, LA · Charter 20228 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
0.93%
Rank 16 of 57
Net Interest Margin
4.43%
Rank 18 of 57
Efficiency Ratio
79.21%
Rank 23 of 56
Equity / Assets
24.40%
Rank 13 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.18% | 0.61% | 1.03% | Beats 72% | 16 / 57 | ||
| Return on Equity | 3.81% | 0.88% | 3.71% | 5.62% | Beats 51% | 28 / 57 | ||
| Net Interest Margin | 4.43% | 3.51% | 3.94% | 4.60% | Beats 68% | 18 / 57 | ||
| Efficiency Ratio | 79.21% | 76.49% | 84.29% | 92.65% | Beats 61% | 23 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.04% | 0.35% | 1.18% | 2.04% | Beats 25% | 44 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.40% | 11.86% | 15.46% | 23.44% | Beats 77% | 13 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.40% | 11.86% | 15.46% | 23.44% | Beats 77% | 13 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 117.05% | 55.77% | 71.07% | 79.18% | 98th pctl | 1 / 57 | ||
| Loans / Assets | 87.89% | 44.60% | 59.45% | 67.17% | 98th pctl | 1 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||