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 | |