New Orleans, LA · Charter 23899
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
100
Profitability
2
Liquidity
0
Efficiency
3
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 23899
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.63% | 2.40% | 3.91% | -3.28% | 1.08% | -9.91% | 0.12% | -3.65% | -37 bps | |
| Return on Equity | -51.72% | 24.63% | 36.76% | -61.80% | 8.68% | -343% | 4.12% | -315% | -25,350 bps | |
| Net Interest Margin | 2.52% | 2.25% | 5.91% | 2.70% | 5.57% | 4.83% | 1.20% | 0.95% | -175 bps | |
| Efficiency Ratio | 198.80% | 66.44% | 39.15% | 214% | 81.49% | 296% | 90.00% | 199.69% | -1,426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.90% | -10.68% | -10.09% | 0.00% | -19.46% | -23.79% | -24.19% | -30.29% | -3,029 bps | |
| Loan Growth (YoY) | -30.22% | -53.09% | -45.12% | 0.00% | -2.42% | -5.93% | -49.46% | -86.42% | -8,642 bps | |
| Share Growth (YoY) | -5.79% | -14.27% | -15.74% | 0.00% | -24.99% | -17.48% | -17.31% | -27.11% | -2,711 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 21.06% | 0.00% | 0.00% | 21.84% | 41.68% | 28.44% | 49.92% | 0.00% | -2,184 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 | 26.73% | 5.01% | 11.22% | 21.80% | 13.10% | 16.42% | 28.09% | 0.00% | -2,180 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.09% | 9.75% | 10.64% | 5.30% | 12.45% | 2.88% | 2.90% | 1.16% | -415 bps | |
| Net Worth / Assets | 5.09% | 9.75% | 10.64% | 5.30% | 12.45% | 2.88% | 2.90% | 1.16% | -415 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.82% | 11.56% | 12.56% | 15.36% | 16.68% | 13.18% | 7.67% | 2.86% | -1,249 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 23899 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=31)
NCUA · 1 branch
Q2 2025
Return on Assets
-2.94%
Rank 29 of 31
Net Interest Margin
0.00%
Rank 31 of 31
Equity / Assets
1.47%
Rank 31 of 31
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.94% | -0.50% | 0.31% | 1.53% | Beats 6% | 29 / 31 | ||
| Return on Equity | -200% | -3.79% | 2.23% | 7.69% | Beats 0% | 31 / 31 | ||
| Net Interest Margin | 0.00% | 3.52% | 4.35% | 5.06% | Beats 0% | 31 / 31 | ||
| Efficiency Ratio | n/a | Not reported for this institution | ||||||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.27% | 0.80% | 1.79% | Beats 100% | 5 / 31 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 1.16% | 11.11% | 13.76% | 20.51% | Beats 0% | 31 / 31 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 1.47% | 11.12% | 13.76% | 20.51% | Beats 0% | 31 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 2.86% | 46.22% | 71.42% | 85.76% | 0th pctl | 31 / 31 | ||
| Loans / Assets | 2.94% | 35.07% | 50.61% | 72.56% | 0th pctl | 31 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||