Natchitoches, LA · Charter 22005
NCUA · 2 branches
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
90
Asset Quality
35
Profitability
88
Liquidity
0
Efficiency
77
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.
Natchitoches, LA · Charter 22005
NCUA · 2 branches
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 | 2.13% | 1.88% | 4.14% | 1.67% | 2.41% | 1.57% | 3.76% | 2.21% | +53 bps | |
| Return on Equity | 9.52% | 8.53% | 19.06% | 8.44% | 11.20% | 7.51% | 17.99% | 10.22% | +178 bps | |
| Net Interest Margin | 3.96% | 3.98% | 3.87% | 4.17% | 4.50% | 4.47% | 4.42% | 4.63% | +46 bps | |
| Efficiency Ratio | 63.43% | 66.45% | 45.29% | 72.68% | 67.09% | 72.53% | 55.29% | 67.74% | -494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.79% | 3.09% | 8.79% | 29.78% | 23.03% | 22.14% | 19.71% | 0.16% | -2,962 bps | |
| Loan Growth (YoY) | 2.13% | -2.62% | -3.05% | 15.36% | 16.63% | 20.58% | 18.94% | 0.68% | -1,468 bps | |
| Share Growth (YoY) | 6.82% | 2.69% | 9.34% | 35.49% | 26.13% | 24.93% | 22.48% | -1.84% | -3,733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.70% | 0.56% | 1.27% | 0.89% | 0.62% | 0.79% | 0.95% | -32 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.36% | 22.09% | 21.70% | 19.83% | 21.54% | 20.92% | 20.90% | 21.59% | +176 bps | |
| Net Worth / Assets | 22.36% | 22.09% | 21.70% | 19.83% | 21.54% | 20.92% | 20.90% | 21.59% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.22% | 101.49% | 94.40% | 94.95% | 100.07% | 97.96% | 91.68% | 97.39% | +244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Natchitoches, LA · Charter 22005 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.21%
Rank 54 of 1,683
Net Interest Margin
4.63%
Rank 272 of 1,683
Efficiency Ratio
67.75%
Rank 388 of 1,682
Equity / Assets
21.59%
Rank 173 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.21% | 0.35% | 0.74% | 1.18% | Beats 97% | 54 / 1,683 | ||
| Return on Equity | 10.22% | 2.67% | 5.89% | 8.74% | Beats 84% | 268 / 1,681 | ||
| Net Interest Margin | 4.63% | 3.31% | 3.82% | 4.32% | Beats 84% | 272 / 1,683 | ||
| Efficiency Ratio | 67.75% | 68.91% | 78.20% | 86.93% | Beats 77% | 388 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,096 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.59% | 10.44% | 12.89% | 16.53% | Beats 90% | 173 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.59% | 10.44% | 12.89% | 16.53% | Beats 90% | 173 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.39% | 52.61% | 69.38% | 83.50% | 95th pctl | 86 / 1,683 | ||
| Loans / Assets | 75.19% | 44.71% | 59.18% | 70.72% | 83rd pctl | 280 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||