Franklin, LA · Charter 22417
NCUA · 1 branch
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 in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
100
Profitability
73
Liquidity
0
Efficiency
32
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.
Franklin, LA · Charter 22417
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.97% | 1.27% | 0.54% | 0.67% | +20 bps | |
| Return on Equity | 2.23% | 4.37% | 5.87% | 2.36% | 2.98% | +75 bps | |
| Net Interest Margin | 5.03% | 5.03% | 4.87% | 5.58% | 4.98% | -5 bps | |
| Efficiency Ratio | 90.58% | 81.98% | 76.34% | 90.34% | 86.59% | -399 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.78% | -13.23% | -10.64% | -8.07% | 0.22% | +1,200 bps | |
| Loan Growth (YoY) | -21.07% | -8.27% | 1.00% | 4.57% | 18.14% | +3,921 bps | |
| Share Growth (YoY) | -16.03% | -17.64% | -21.24% | -4.50% | -1.85% | +1,418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.81% | 1.06% | 0.49% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.05% | 5.22% | 3.31% | 4.43% | 5.36% | -369 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.38% | 22.18% | 21.60% | 23.03% | 22.66% | +128 bps | |
| Net Worth / Assets | 21.38% | 22.18% | 21.60% | 23.03% | 22.66% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.87% | 26.50% | 40.40% | 29.27% | 17.90% | +303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Franklin, LA · Charter 22417 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
Return on Assets
0.88%
Rank 16 of 61
Net Interest Margin
4.84%
Rank 7 of 61
Efficiency Ratio
90.91%
Rank 42 of 60
Equity / Assets
22.64%
Rank 8 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | -0.02% | 0.37% | 0.88% | Beats 74% | 16 / 61 | |
| Return on Equity | 3.88% | -0.25% | 2.65% | 5.53% | Beats 57% | 26 / 61 | |
| Net Interest Margin | 4.84% | 3.07% | 3.57% | 4.09% | Beats 89% | 7 / 61 | |
| Efficiency Ratio | 90.91% | 71.78% | 87.58% | 95.00% | Beats 32% | 42 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.44% | 1.06% | 1.85% | Beats 100% | 11 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.64% | 9.78% | 12.37% | 17.30% | Beats 87% | 8 / 61 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.64% | 9.78% | 12.37% | 17.30% | Beats 87% | 8 / 61 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 17.77% | 37.27% | 62.33% | 76.91% | 8th pctl | 56 / 61 | |
| Loans / Assets | 13.63% | 30.13% | 54.75% | 64.37% | 8th pctl | 56 / 61 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||