PackageTrendsPeer
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First Pioneers

Lafayette, LA · Charter 24783

NCUA · 2 branches

Q2 2026

$60.9MAssets
$43.3MLoans
$55.0MShares
$6.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.40%, up 54 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.89% of loans (+7 bps YoY).
  • Capital: net worth / assets of 11.05%, up 43 bps from a year ago.
  • Funding: loans stand at 78.72% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.40%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+19 bps YoY

Efficiency Ratio (YTD, annualized)

87.04%-534 bps YoY

Net Worth / Assets

11.05%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.17%-0.25%-0.51%-0.14%0.16%0.27%0.81%0.40%+54 bps
Return on Equity-1.53%-2.25%-4.89%-1.31%1.45%2.47%7.48%3.63%+493 bps
Net Interest Margin3.15%3.19%3.39%3.54%3.70%3.67%3.54%3.73%+19 bps
Efficiency Ratio100.93%101.71%95.72%92.38%89.54%88.48%79.76%87.04%-534 bps
Growth
Asset Growth (YoY)-3.90%-2.25%4.21%4.23%1.86%3.45%2.10%1.01%-321 bps
Loan Growth (YoY)-4.95%-5.46%-4.41%2.98%3.89%2.49%1.06%3.23%+25 bps
Share Growth (YoY)-3.17%-2.13%4.95%5.23%2.10%5.27%2.09%1.79%-345 bps
Asset Quality
Delinquent Loans / Loans0.92%1.33%0.50%0.82%0.91%1.20%0.78%0.89%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.27%11.14%10.47%10.62%11.07%11.04%10.85%11.05%+43 bps
Net Worth / Assets11.27%11.14%10.47%10.62%11.07%11.04%10.85%11.05%+43 bps
Liquidity & Funding
Loans / Shares78.30%77.55%72.72%77.62%79.68%75.51%71.99%78.72%+110 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps