Baton Rouge, LA · Charter 3061
NCUA · 2 branches
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.39% | 0.52% | 0.30% | 0.27% | -0.33% | 0.60% | 0.58% | +28 bps | |
| Return on Equity | 3.28% | 2.93% | 4.01% | 2.29% | 2.12% | -2.48% | 4.39% | 4.13% | +185 bps | |
| Net Interest Margin | 3.64% | 3.54% | 3.50% | 3.53% | 3.50% | 3.81% | 3.83% | 3.95% | +42 bps | |
| Efficiency Ratio | 85.91% | 86.32% | 82.46% | 86.43% | 86.05% | 87.32% | 78.84% | 79.44% | -699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.54% | 4.73% | 9.13% | 8.73% | 9.30% | -3.19% | -6.77% | -8.96% | -1,768 bps | |
| Loan Growth (YoY) | -1.83% | -2.80% | -3.45% | -7.43% | -8.71% | -11.50% | -13.34% | -13.11% | -569 bps | |
| Share Growth (YoY) | 0.54% | 8.71% | 10.24% | 12.26% | 11.17% | -2.84% | -7.18% | -10.00% | -2,226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.45% | 0.72% | 1.07% | 1.17% | 1.77% | 1.11% | 0.88% | -20 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 | 13.72% | 13.21% | 13.02% | 13.03% | 12.82% | 13.31% | 13.64% | 14.10% | +107 bps | |
| Net Worth / Assets | 13.72% | 13.21% | 13.02% | 13.03% | 12.82% | 13.31% | 13.64% | 14.10% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.54% | 81.01% | 76.77% | 74.82% | 71.06% | 73.79% | 71.67% | 72.24% | -259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |