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 | |