New Orleans, LA · Charter 23540
NCUA · 2 branches
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 New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
24
Profitability
20
Liquidity
33
Efficiency
14
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.
New Orleans, LA · Charter 23540
NCUA · 2 branches
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 | -0.58% | -0.90% | -5.06% | -1.87% | -1.80% | -1.54% | -4.08% | -3.27% | -141 bps | |
| Return on Equity | -6.32% | -9.67% | -61.64% | -21.72% | -21.35% | -18.72% | -55.16% | -49.02% | -2,729 bps | |
| Net Interest Margin | 4.18% | 4.52% | 4.57% | 4.61% | 4.78% | 4.76% | 4.60% | 4.59% | -2 bps | |
| Efficiency Ratio | 102.72% | 103.82% | 97.85% | 87.38% | 90.50% | 95.38% | 106.37% | 121.21% | +3,382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | -6.39% | -7.88% | -5.92% | -11.27% | -4.88% | -5.51% | -3.91% | +201 bps | |
| Loan Growth (YoY) | 5.35% | -1.26% | -9.14% | -12.58% | -11.43% | -9.20% | -6.99% | -5.96% | +662 bps | |
| Share Growth (YoY) | -5.12% | -5.65% | -4.85% | -1.69% | -4.00% | -1.46% | -5.10% | -2.33% | -65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.12% | 1.93% | 1.27% | 1.33% | 0.89% | 1.09% | 0.65% | 2.33% | +100 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.13% | 9.30% | 8.22% | 8.59% | 8.44% | 8.21% | 7.40% | 6.68% | -191 bps | |
| Net Worth / Assets | 9.13% | 9.30% | 8.22% | 8.59% | 8.44% | 8.21% | 7.40% | 6.68% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.56% | 93.94% | 86.40% | 85.73% | 88.16% | 86.56% | 84.68% | 82.54% | -319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Orleans, LA · Charter 23540 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)
NCUA · 2 branches
Q2 2026
Return on Assets
-3.27%
Rank 27 of 29
Net Interest Margin
4.59%
Rank 14 of 29
Efficiency Ratio
121.16%
Rank 26 of 29
Equity / Assets
6.68%
Rank 28 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.27% | -0.27% | 0.39% | 0.68% | Beats 7% | 27 / 29 | ||
| Return on Equity | -48.97% | 0.64% | 2.28% | 5.24% | Beats 0% | 28 / 28 | ||
| Net Interest Margin | 4.59% | 3.88% | 4.49% | 4.89% | Beats 52% | 14 / 29 | ||
| Efficiency Ratio | 121.16% | 77.78% | 86.62% | 97.23% | Beats 14% | 26 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.33% | 0.22% | 1.19% | 2.21% | Beats 24% | 23 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.68% | 11.89% | 14.07% | 21.10% | Beats 3% | 28 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.68% | 11.89% | 14.07% | 21.10% | Beats 3% | 28 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.54% | 45.57% | 67.88% | 82.54% | 72nd pctl | 8 / 29 | ||
| Loans / Assets | 76.32% | 34.60% | 52.32% | 69.33% | 86th pctl | 4 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||