PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Noda

Slidell, LA · Charter 4461

NCUA · 3 branches

Q2 2026

$35.8MAssets
$9.9MLoans
$30.0MShares
$5.5MNet 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 -1.26%, down 137 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 4.14% of loans (+98 bps YoY).
  • Capital: net worth / assets of 15.26%, down 214 bps from a year ago.
  • Funding: loans stand at 33.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.26%-137 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-52 bps YoY

Efficiency Ratio (YTD, annualized)

117.80%+2,044 bps YoY

Net Worth / Assets

15.26%-214 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%-0.14%-0.41%-1.74%-1.26%-137 bps
Return on Equity0.63%-0.83%-2.45%-10.76%-8.24%-887 bps
Net Interest Margin3.46%3.46%3.40%2.92%2.94%-52 bps
Efficiency Ratio97.36%103.44%110.01%133.77%117.80%+2,044 bps
Growth
Asset Growth (YoY)-10.03%-10.90%1.02%1.21%6.56%+1,658 bps
Loan Growth (YoY)-18.75%-17.33%-15.92%-18.79%-18.26%+49 bps
Share Growth (YoY)-10.52%-11.07%1.11%1.82%8.42%+1,894 bps
Asset Quality
Delinquent Loans / Loans3.16%3.35%4.97%5.88%4.14%+98 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 Capital17.40%17.24%16.59%16.16%15.26%-214 bps
Net Worth / Assets17.40%17.24%16.59%16.16%15.26%-214 bps
Liquidity & Funding
Loans / Shares43.93%42.88%39.36%36.11%33.12%-1,081 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps