Metairie, LA · Charter 24871
NCUA · 16 branches
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 | -0.01% | -0.07% | -1.17% | -1.55% | -1.29% | -1.45% | -0.70% | -1.12% | +43 bps | |
| Return on Equity | -0.10% | -0.65% | -10.53% | -14.23% | -11.98% | -14.42% | -6.90% | -11.32% | +291 bps | |
| Net Interest Margin | 2.45% | 2.53% | 2.44% | 2.44% | 2.45% | 2.50% | 2.53% | 2.66% | +23 bps | |
| Efficiency Ratio | 98.24% | 97.69% | 114.62% | 105.57% | 109.45% | 112.32% | 120.34% | 122.99% | +1,742 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.20% | -12.65% | -11.09% | -11.65% | -8.66% | -6.70% | -6.78% | -6.01% | +564 bps | |
| Loan Growth (YoY) | -5.29% | -8.38% | -9.59% | -9.40% | -9.21% | -7.45% | -7.53% | -8.01% | +138 bps | |
| Share Growth (YoY) | -12.70% | -16.34% | -16.97% | -14.19% | -11.11% | -6.27% | -0.54% | -1.28% | +1,291 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.30% | 3.51% | 3.43% | 2.64% | 2.17% | 2.21% | 2.12% | 1.59% | -105 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 | 11.18% | 11.13% | 11.14% | 10.91% | 10.77% | 10.04% | 10.14% | 9.91% | -101 bps | |
| Net Worth / Assets | 11.18% | 11.13% | 11.14% | 10.91% | 10.77% | 10.04% | 10.14% | 9.91% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.74% | 95.12% | 95.96% | 96.38% | 93.70% | 93.92% | 89.22% | 89.81% | -657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |