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 | |