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 (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 | 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 | |