Deridder, LA · Charter 20417
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
80
Profitability
52
Liquidity
57
Efficiency
93
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.
Deridder, LA · Charter 20417
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.36% | 1.23% | 1.29% | 1.31% | -6 bps | |
| Return on Equity | 8.32% | 8.26% | 7.57% | 8.03% | 8.07% | -25 bps | |
| Net Interest Margin | 2.70% | 2.69% | 2.60% | 2.57% | 2.58% | -11 bps | |
| Efficiency Ratio | 55.45% | 55.79% | 58.88% | 56.44% | 55.69% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.49% | 4.21% | 6.98% | 7.91% | 9.88% | +639 bps | |
| Loan Growth (YoY) | -2.51% | -2.33% | -1.71% | -0.77% | -3.43% | -92 bps | |
| Share Growth (YoY) | 2.43% | 3.29% | 6.60% | 7.89% | 10.20% | +777 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.12% | 0.07% | 0.08% | 0.20% | +17 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 | 16.56% | 16.50% | 16.27% | 16.04% | 16.27% | -28 bps | |
| Net Worth / Assets | 16.56% | 16.50% | 16.27% | 16.04% | 16.27% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.22% | 62.14% | 60.63% | 57.52% | 56.28% | -794 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Deridder, LA · Charter 20417 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.31%
Rank 338 of 1,683
Net Interest Margin
2.58%
Rank 1,604 of 1,683
Efficiency Ratio
55.73%
Rank 124 of 1,682
Equity / Assets
16.27%
Rank 442 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 338 / 1,683 | |
| Return on Equity | 8.07% | 2.67% | 5.89% | 8.74% | Beats 70% | 500 / 1,681 | |
| Net Interest Margin | 2.58% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,604 / 1,683 | |
| Efficiency Ratio | 55.73% | 68.91% | 78.20% | 86.93% | Beats 93% | 124 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 340 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 442 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 442 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.28% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,180 / 1,683 | |
| Loans / Assets | 47.07% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,196 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||