PackageTrendsPeer
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Engage

Natchitoches, LA · Charter 22005

NCUA · 2 branches

Q2 2026

$28.5MAssets
$21.4MLoans
$22.0MShares
$6.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.21%, up 53 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 0.95% of loans (-32 bps YoY).
  • Capital: net worth / assets of 21.59%, up 176 bps from a year ago.
  • Funding: loans stand at 97.39% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.21%+53 bps YoY

Net Interest Margin (YTD, annualized)

4.63%+46 bps YoY

Efficiency Ratio (YTD, annualized)

67.74%-494 bps YoY

Net Worth / Assets

21.59%+176 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%2.41%1.57%3.76%2.21%+53 bps
Return on Equity8.44%11.20%7.51%17.99%10.22%+178 bps
Net Interest Margin4.17%4.50%4.47%4.42%4.63%+46 bps
Efficiency Ratio72.68%67.09%72.53%55.29%67.74%-494 bps
Growth
Asset Growth (YoY)29.78%23.03%22.14%19.71%0.16%-2,962 bps
Loan Growth (YoY)15.36%16.63%20.58%18.94%0.68%-1,468 bps
Share Growth (YoY)35.49%26.13%24.93%22.48%-1.84%-3,733 bps
Asset Quality
Delinquent Loans / Loans1.27%0.89%0.62%0.79%0.95%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.83%21.54%20.92%20.90%21.59%+176 bps
Net Worth / Assets19.83%21.54%20.92%20.90%21.59%+176 bps
Liquidity & Funding
Loans / Shares94.95%100.07%97.96%91.68%97.39%+244 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps