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Internal Revenue

New Orleans, LA · Charter 2446

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New Orleans-Metairie, LA area3

Basis

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.

Peer group

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.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Internal Revenue

New Orleans, LA · Charter 2446

NCUA · 1 branch

Q2 2026

$22.5MAssets
$9.2MLoans
$19.1MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.18%, down 35 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.22% of loans (-44 bps YoY).
  • Capital: net worth / assets of 14.07%, down 66 bps from a year ago.
  • Funding: loans stand at 47.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-41 bps YoY

Efficiency Ratio (YTD, annualized)

67.57%+501 bps YoY

Net Worth / Assets

14.07%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.41%0.46%1.37%1.18%-35 bps
Return on Equity10.41%9.72%3.24%9.57%8.41%-200 bps
Net Interest Margin3.52%3.39%3.47%3.28%3.11%-41 bps
Efficiency Ratio62.56%63.97%82.92%64.47%67.57%+501 bps
Growth
Asset Growth (YoY)8.78%15.07%6.52%5.03%7.05%-173 bps
Loan Growth (YoY)1.70%-1.46%-4.20%-11.75%-12.32%-1,402 bps
Share Growth (YoY)9.04%17.03%6.82%5.58%8.07%-97 bps
Asset Quality
Delinquent Loans / Loans0.66%0.24%0.57%0.41%0.22%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.73%14.50%14.28%14.35%14.07%-66 bps
Net Worth / Assets14.73%14.50%14.28%14.35%14.07%-66 bps
Liquidity & Funding
Loans / Shares59.03%55.51%56.49%51.28%47.90%-1,114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Internal Revenue

New Orleans, LA · Charter 2446 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)

NCUA · 1 branch

Q2 2026

$22.5MAssets
$9.2MLoans
$19.1MShares
$3.2MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 2 of 28).
  • Widest gap: net interest margin trails 97% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 28 of 29).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.18%

Rank 5 of 29

Net Interest Margin

3.11%

Rank 28 of 29

Efficiency Ratio

67.44%

Rank 4 of 29

Equity / Assets

14.07%

Rank 15 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%-0.27%0.39%0.68%Beats 83%5 / 29
Return on Equity8.41%0.64%2.28%5.24%Beats 93%2 / 28
Net Interest Margin3.11%3.88%4.49%4.89%Beats 3%28 / 29
Efficiency Ratio67.44%77.78%86.62%97.23%Beats 90%4 / 29
Asset Quality
Nonperforming Loans / Loans0.22%0.22%1.19%2.21%Beats 76%8 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.07%11.89%14.07%21.10%Beats 48%15 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.07%11.89%14.07%21.10%Beats 48%15 / 29
Liquidity & Funding
Loans / Deposits47.90%45.57%67.88%82.54%31st pctl20 / 29
Loans / Assets40.71%34.60%52.32%69.33%34th pctl19 / 29
Brokered Deposits / Depositsn/aNot reported for this institution