Lafayette, LA · Charter 21879
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
4
Asset Quality
100
Profitability
32
Liquidity
92
Efficiency
7
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.
Lafayette, LA · Charter 21879
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 | -0.36% | 1.10% | -0.81% | -0.87% | -1.11% | -1.83% | -0.66% | -0.59% | +28 bps | |
| Return on Equity | -4.51% | 12.84% | -9.84% | -10.75% | -13.88% | -25.25% | -9.54% | -8.42% | +233 bps | |
| Net Interest Margin | 4.50% | 5.10% | 4.85% | 4.89% | 5.11% | 5.19% | 4.64% | 4.78% | -10 bps | |
| Efficiency Ratio | 104.15% | 75.05% | 102.77% | 103.01% | 102.19% | 103.01% | 113.30% | 110.39% | +738 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.35% | -12.30% | -6.19% | -5.00% | -8.17% | -5.62% | -4.53% | -6.50% | -150 bps | |
| Loan Growth (YoY) | -14.25% | -17.67% | -16.99% | -17.62% | -13.40% | -11.48% | -12.61% | -9.79% | +783 bps | |
| Share Growth (YoY) | -2.59% | -3.19% | -3.26% | -5.01% | -7.91% | -4.36% | -2.82% | -5.09% | -9 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.85% | 2.45% | 2.42% | 1.15% | 0.00% | 0.00% | 0.00% | -242 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 | 0.58% | 0.80% | 1.07% | 1.43% | 1.01% | 0.96% | 1.03% | 1.16% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.95% | 8.57% | 8.22% | 8.08% | 8.01% | 7.25% | 6.88% | 6.97% | -110 bps | |
| Net Worth / Assets | 7.95% | 8.57% | 8.22% | 8.08% | 8.01% | 7.25% | 6.88% | 6.97% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.07% | 81.05% | 76.49% | 72.22% | 76.24% | 75.02% | 68.78% | 68.65% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lafayette, LA · Charter 21879 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.57%
Rank 53 of 57
Net Interest Margin
4.79%
Rank 9 of 57
Efficiency Ratio
110.48%
Rank 53 of 56
Equity / Assets
6.97%
Rank 55 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.57% | 0.18% | 0.61% | 1.03% | Beats 7% | 53 / 57 | ||
| Return on Equity | -8.21% | 0.88% | 3.71% | 5.62% | Beats 4% | 55 / 57 | ||
| Net Interest Margin | 4.79% | 3.51% | 3.94% | 4.60% | Beats 84% | 9 / 57 | ||
| Efficiency Ratio | 110.48% | 76.49% | 84.29% | 92.65% | Beats 7% | 53 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.35% | 1.18% | 2.04% | Beats 100% | 7 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.97% | 11.86% | 15.46% | 23.44% | Beats 4% | 55 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.97% | 11.86% | 15.46% | 23.44% | Beats 4% | 55 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.63% | 55.77% | 71.07% | 79.18% | 47th pctl | 30 / 57 | ||
| Loans / Assets | 63.39% | 44.60% | 59.45% | 67.17% | 63rd pctl | 21 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||