Slidell, LA · Charter 4461
NCUA · 3 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 | 0.36% | -2.04% | 0.83% | 0.11% | -0.14% | -0.41% | -1.74% | -1.26% | -137 bps | |
| Return on Equity | 2.06% | -11.90% | 4.75% | 0.63% | -0.83% | -2.45% | -10.76% | -8.24% | -887 bps | |
| Net Interest Margin | 3.46% | 3.46% | 3.42% | 3.46% | 3.46% | 3.40% | 2.92% | 2.94% | -52 bps | |
| Efficiency Ratio | 86.12% | 98.80% | 80.07% | 97.36% | 103.44% | 110.01% | 133.77% | 117.80% | +2,044 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.50% | -15.37% | -18.90% | -10.03% | -10.90% | 1.02% | 1.21% | 6.56% | +1,658 bps | |
| Loan Growth (YoY) | -8.17% | -16.25% | -17.88% | -18.75% | -17.33% | -15.92% | -18.79% | -18.26% | +49 bps | |
| Share Growth (YoY) | -6.17% | -15.23% | -19.49% | -10.52% | -11.07% | 1.11% | 1.82% | 8.42% | +1,894 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.69% | 4.20% | 3.16% | 3.35% | 4.97% | 5.88% | 4.14% | +98 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 | 17.57% | 17.17% | 17.41% | 17.40% | 17.24% | 16.59% | 16.16% | 15.26% | -214 bps | |
| Net Worth / Assets | 17.57% | 17.17% | 17.41% | 17.40% | 17.24% | 16.59% | 16.16% | 15.26% | -214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.13% | 47.34% | 45.27% | 43.93% | 42.88% | 39.36% | 36.11% | 33.12% | -1,081 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |