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 | |