West Monroe, LA · Charter 22527
NCUA · 1 branch
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.29% | -0.51% | -9.92% | -7.35% | -7.20% | -392 bps | |
| Return on Equity | -30.80% | -4.90% | -164.73% | -128.76% | -164.93% | -13,413 bps | |
| Net Interest Margin | 2.99% | 4.14% | 3.47% | 3.26% | 2.99% | 0 bps | |
| Efficiency Ratio | 194.34% | 109.26% | 371% | 310% | 325% | +13,055 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.73% | -8.29% | -8.15% | -8.95% | -7.76% | -848 bps | |
| Loan Growth (YoY) | -5.17% | -3.92% | -3.61% | -1.05% | 0.36% | +553 bps | |
| Share Growth (YoY) | 4.62% | -6.48% | -2.32% | -2.54% | -2.52% | -714 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 0.91% | 1.55% | 3.98% | 3.79% | +194 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.47% | 0.47% | 0.48% | 0.49% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.67% | 10.51% | 6.02% | 5.71% | 4.37% | -630 bps | |
| Net Worth / Assets | 10.67% | 10.51% | 6.02% | 5.71% | 4.37% | -630 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.91% | 75.22% | 74.32% | 74.29% | 74.03% | +212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |