New Iberia, LA · Charter 4416
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.28% | -6.33% | -7.41% | -14.61% | -11.66% | -438 bps | |
| Return on Equity | -19.66% | -16.70% | -16.94% | -37.84% | -32.96% | -1,330 bps | |
| Net Interest Margin | 7.97% | 8.32% | 7.35% | 9.29% | 6.54% | -143 bps | |
| Efficiency Ratio | 187.02% | 173.08% | 196.15% | 254% | 272% | +8,532 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.00% | -10.29% | -12.39% | -8.90% | -12.19% | -519 bps | |
| Loan Growth (YoY) | 16.94% | 4.61% | -5.10% | -11.33% | -12.75% | -2,969 bps | |
| Share Growth (YoY) | 0.08% | -1.04% | -6.52% | -4.07% | -9.05% | -913 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.33% | 10.51% | 4.51% | 6.88% | 13.48% | +715 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.01% | 5.40% | 5.74% | 6.55% | 4.40% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.00% | 37.91% | 43.74% | 38.62% | 35.37% | -163 bps | |
| Net Worth / Assets | 37.00% | 37.91% | 43.74% | 38.62% | 35.37% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.03% | 64.51% | 65.64% | 59.80% | 58.55% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |