Lake Charles, LA · Charter 20529
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
88
Asset Quality
16
Profitability
16
Liquidity
0
Efficiency
5
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.
Lake Charles, LA · Charter 20529
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 | 1.28% | 1.16% | 0.92% | 0.40% | -1.01% | -229 bps | |
| Return on Equity | 4.58% | 3.84% | 3.15% | 1.32% | -3.35% | -793 bps | |
| Net Interest Margin | 4.47% | 4.60% | 4.30% | 3.71% | 3.68% | -79 bps | |
| Efficiency Ratio | 72.75% | 75.96% | 80.37% | 89.80% | 126.02% | +5,327 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.11% | -10.79% | -6.11% | -9.16% | -7.76% | -665 bps | |
| Loan Growth (YoY) | -22.12% | -9.33% | -5.07% | -3.35% | -1.33% | +2,079 bps | |
| Share Growth (YoY) | -3.28% | -16.74% | -9.53% | -13.92% | -10.30% | -702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.68% | 5.04% | 1.39% | 0.31% | 2.78% | -190 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.21% | 1.31% | 1.10% | 1.23% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.94% | 30.23% | 29.27% | 30.30% | 30.06% | +212 bps | |
| Net Worth / Assets | 27.94% | 30.23% | 29.27% | 30.30% | 30.06% | +212 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.19% | 35.23% | 33.41% | 34.37% | 31.01% | +282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Charles, LA · Charter 20529 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.00%
Rank 54 of 57
Net Interest Margin
3.69%
Rank 37 of 57
Efficiency Ratio
125.64%
Rank 54 of 56
Equity / Assets
30.05%
Rank 7 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.00% | 0.18% | 0.61% | 1.03% | Beats 5% | 54 / 57 | |
| Return on Equity | -3.32% | 0.88% | 3.71% | 5.62% | Beats 9% | 52 / 57 | |
| Net Interest Margin | 3.69% | 3.51% | 3.94% | 4.60% | Beats 35% | 37 / 57 | |
| Efficiency Ratio | 125.64% | 76.49% | 84.29% | 92.65% | Beats 5% | 54 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.76% | 0.35% | 1.18% | 2.04% | Beats 16% | 49 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 30.05% | 11.86% | 15.46% | 23.44% | Beats 88% | 7 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 30.05% | 11.86% | 15.46% | 23.44% | Beats 88% | 7 / 57 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 31.02% | 55.77% | 71.07% | 79.18% | 5th pctl | 54 / 57 | |
| Loans / Assets | 21.68% | 44.60% | 59.45% | 67.17% | 0th pctl | 57 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||