Minden, LA · Charter 22219
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 | 0.23% | 0.47% | 1.80% | 1.29% | 1.47% | 1.35% | 1.09% | 0.89% | -40 bps | |
| Return on Equity | 0.63% | 1.33% | 5.07% | 3.55% | 3.90% | 3.44% | 2.82% | 2.41% | -115 bps | |
| Net Interest Margin | 8.25% | 8.04% | 8.15% | 8.62% | 8.87% | 9.02% | 8.18% | 7.80% | -82 bps | |
| Efficiency Ratio | 92.25% | 90.46% | 77.35% | 84.24% | 82.64% | 84.56% | 85.47% | 86.52% | +228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.67% | 7.28% | 10.57% | 5.51% | 1.16% | -5.96% | -4.99% | 0.52% | -499 bps | |
| Loan Growth (YoY) | 7.90% | 9.07% | 14.39% | 7.95% | -7.87% | -7.49% | -12.21% | -9.00% | -1,695 bps | |
| Share Growth (YoY) | 0.39% | 0.29% | 7.92% | 2.61% | -0.11% | -1.42% | -3.11% | 1.63% | -98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.35% | 0.59% | 0.18% | 0.31% | 0.47% | 0.62% | 0.46% | +27 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 | 2.48% | 2.48% | 2.55% | 2.68% | 2.91% | 2.90% | 3.27% | 3.02% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.84% | 35.47% | 35.51% | 36.27% | 37.65% | 39.06% | 38.49% | 37.10% | +84 bps | |
| Net Worth / Assets | 36.84% | 35.47% | 35.51% | 36.27% | 37.65% | 39.06% | 38.49% | 37.10% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.28% | 120.94% | 114.68% | 112.03% | 105.40% | 113.50% | 103.90% | 100.31% | -1,171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |