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Formation

Baton Rouge, LA · Charter 3061

NCUA · 2 branches

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 Baton Rouge, 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 Baton Rouge, LA area (n=21). 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

43

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

67

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

Formation

Baton Rouge, LA · Charter 3061

NCUA · 2 branches

Q2 2026

$93.0MAssets
$57.5MLoans
$79.6MShares
$13.1MNet 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 0.58%, up 28 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.88% of loans (-20 bps YoY).
  • Capital: net worth / assets of 14.10%, up 107 bps from a year ago.
  • Funding: loans stand at 72.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+42 bps YoY

Efficiency Ratio (YTD, annualized)

79.44%-699 bps YoY

Net Worth / Assets

14.10%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.27%-0.33%0.60%0.58%+28 bps
Return on Equity2.29%2.12%-2.48%4.39%4.13%+185 bps
Net Interest Margin3.53%3.50%3.81%3.83%3.95%+42 bps
Efficiency Ratio86.43%86.05%87.32%78.84%79.44%-699 bps
Growth
Asset Growth (YoY)8.73%9.30%-3.19%-6.77%-8.96%-1,768 bps
Loan Growth (YoY)-7.43%-8.71%-11.50%-13.34%-13.11%-569 bps
Share Growth (YoY)12.26%11.17%-2.84%-7.18%-10.00%-2,226 bps
Asset Quality
Delinquent Loans / Loans1.07%1.17%1.77%1.11%0.88%-20 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 Capital13.03%12.82%13.31%13.64%14.10%+107 bps
Net Worth / Assets13.03%12.82%13.31%13.64%14.10%+107 bps
Liquidity & Funding
Loans / Shares74.82%71.06%73.79%71.67%72.24%-259 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

Formation

Baton Rouge, LA · Charter 3061 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)

NCUA · 2 branches

Q2 2026

$93.0MAssets
$57.5MLoans
$79.6MShares
$13.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 67% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 8 of 21).
  • Widest gap: return on equity trails 62% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 13 of 21).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.58%

Rank 12 of 21

Net Interest Margin

3.95%

Rank 11 of 21

Efficiency Ratio

79.48%

Rank 8 of 21

Equity / Assets

14.10%

Rank 11 of 21

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.20%0.59%1.13%Beats 43%12 / 21
Return on Equity4.13%1.01%4.78%7.97%Beats 38%13 / 21
Net Interest Margin3.95%3.81%3.95%4.86%Beats 48%11 / 21
Efficiency Ratio79.48%72.50%80.80%90.61%Beats 67%8 / 21
Asset Quality
Nonperforming Loans / Loans0.88%0.36%0.80%1.45%Beats 43%13 / 21
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.10%11.23%14.10%17.49%Beats 48%11 / 21
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.10%11.23%14.10%17.49%Beats 48%11 / 21
Liquidity & Funding
Loans / Deposits72.24%58.58%76.49%83.93%38th pctl13 / 21
Loans / Assets61.81%53.07%62.76%69.97%43rd pctl12 / 21
Brokered Deposits / Depositsn/aNot reported for this institution