Rayville, LA · Charter 22785
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 LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
5
Profitability
85
Liquidity
9
Efficiency
21
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.
Rayville, LA · Charter 22785
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 | -1.09% | -1.13% | 0.31% | 1.11% | 1.26% | -1.84% | 5.15% | 2.99% | +188 bps | |
| Return on Equity | -3.44% | -3.54% | 0.94% | 3.38% | 3.75% | -6.26% | 16.87% | 10.11% | +672 bps | |
| Net Interest Margin | 5.03% | 5.37% | 4.85% | 5.22% | 5.29% | 5.22% | 4.47% | 4.66% | -56 bps | |
| Efficiency Ratio | 76.36% | 72.76% | 89.69% | 79.31% | 77.04% | 74.27% | 101.57% | 89.21% | +991 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.53% | -4.57% | -2.86% | -2.17% | -3.24% | 2.29% | 5.32% | 8.34% | +1,051 bps | |
| Loan Growth (YoY) | 6.79% | 12.32% | 29.25% | 12.51% | 2.21% | 2.05% | -17.95% | -15.10% | -2,760 bps | |
| Share Growth (YoY) | -3.45% | -5.11% | -4.90% | -4.22% | -5.79% | 6.00% | 8.10% | 13.64% | +1,786 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.07% | 0.49% | 3.09% | 4.72% | 6.15% | 4.54% | 6.35% | 6.18% | +146 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 | 5.31% | 4.35% | 3.88% | 3.96% | 4.08% | 9.15% | 5.54% | 5.69% | +172 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.82% | 31.91% | 32.84% | 32.85% | 33.52% | 29.36% | 30.56% | 29.55% | -330 bps | |
| Net Worth / Assets | 31.82% | 31.91% | 32.84% | 32.85% | 33.52% | 29.36% | 30.56% | 29.55% | -330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.51% | 48.56% | 59.38% | 56.16% | 55.88% | 46.75% | 45.07% | 41.96% | -1,420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rayville, LA · Charter 22785 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
2.91%
Rank 3 of 57
Net Interest Margin
4.52%
Rank 17 of 57
Efficiency Ratio
92.86%
Rank 45 of 56
Equity / Assets
29.56%
Rank 8 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.91% | 0.18% | 0.61% | 1.03% | Beats 95% | 3 / 57 | ||
| Return on Equity | 9.84% | 0.88% | 3.71% | 5.62% | Beats 91% | 5 / 57 | ||
| Net Interest Margin | 4.52% | 3.51% | 3.94% | 4.60% | Beats 70% | 17 / 57 | ||
| Efficiency Ratio | 92.86% | 76.49% | 84.29% | 92.65% | Beats 21% | 45 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.04% | 0.35% | 1.18% | 2.04% | Beats 5% | 55 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.56% | 11.86% | 15.46% | 23.44% | Beats 86% | 8 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.56% | 11.86% | 15.46% | 23.44% | Beats 86% | 8 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.84% | 55.77% | 71.07% | 79.18% | 12th pctl | 50 / 57 | ||
| Loans / Assets | 29.40% | 44.60% | 59.45% | 67.17% | 9th pctl | 52 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||