Lake Charles, LA · Charter 5086
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets in LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
53
Profitability
55
Liquidity
100
Efficiency
52
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.
Lake Charles, LA · Charter 5086
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.22% | 0.16% | 0.98% | 0.63% | +38 bps | |
| Return on Equity | 2.33% | 2.05% | 1.46% | 8.90% | 5.62% | +329 bps | |
| Net Interest Margin | 3.33% | 3.40% | 3.51% | 3.61% | 3.83% | +50 bps | |
| Efficiency Ratio | 90.94% | 91.36% | 90.69% | 80.48% | 83.41% | -753 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.65% | -0.54% | 0.21% | -1.15% | -2.23% | -158 bps | |
| Loan Growth (YoY) | -5.27% | -3.65% | -2.24% | 0.34% | 4.48% | +975 bps | |
| Share Growth (YoY) | 0.13% | 0.47% | 1.15% | -1.61% | -2.04% | -217 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 0.77% | 1.30% | 0.79% | 1.16% | +30 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.69% | 10.77% | 10.88% | 10.96% | 11.26% | +58 bps | |
| Net Worth / Assets | 10.69% | 10.77% | 10.88% | 10.96% | 11.26% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.72% | 67.35% | 67.66% | 67.15% | 71.16% | +444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Charles, LA · Charter 5086 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 5 branches
Q2 2026
Return on Assets
0.63%
Rank 28 of 57
Net Interest Margin
3.83%
Rank 34 of 57
Efficiency Ratio
83.41%
Rank 28 of 56
Equity / Assets
11.26%
Rank 46 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.18% | 0.61% | 1.03% | Beats 51% | 28 / 57 | |
| Return on Equity | 5.62% | 0.88% | 3.71% | 5.62% | Beats 74% | 15 / 57 | |
| Net Interest Margin | 3.83% | 3.51% | 3.94% | 4.60% | Beats 40% | 34 / 57 | |
| Efficiency Ratio | 83.41% | 76.49% | 84.29% | 92.65% | Beats 52% | 28 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.16% | 0.35% | 1.18% | 2.04% | Beats 53% | 28 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.26% | 11.86% | 15.46% | 23.44% | Beats 19% | 46 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.26% | 11.86% | 15.46% | 23.44% | Beats 19% | 46 / 57 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.16% | 55.77% | 71.07% | 79.18% | 51st pctl | 28 / 57 | |
| Loans / Assets | 63.80% | 44.60% | 59.45% | 67.17% | 65th pctl | 20 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||