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 | |