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 | |