Shreveport, LA · Charter 60261
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
5
Profitability
35
Liquidity
0
Efficiency
5
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.
Shreveport, LA · Charter 60261
NCUA · 2 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -0.50% | 0.08% | -5.49% | -0.80% | -2.64% | -4.43% | -5.76% | -27 bps | |
| Return on Equity | -2.07% | -1.61% | 0.26% | -19.75% | -2.78% | -9.45% | -17.01% | -21.71% | -195 bps | |
| Net Interest Margin | 7.82% | 7.62% | 7.63% | 7.78% | 7.30% | 6.99% | 6.85% | 7.28% | -50 bps | |
| Efficiency Ratio | 107.37% | 105.79% | 98.11% | 92.57% | 109.65% | 108.29% | 111.96% | 114.43% | +2,186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.22% | -6.31% | -6.28% | -6.59% | -10.47% | -11.28% | -12.20% | -14.49% | -790 bps | |
| Loan Growth (YoY) | -3.49% | -3.21% | -6.33% | -10.75% | -12.70% | -15.81% | -22.74% | -19.70% | -895 bps | |
| Share Growth (YoY) | 1.19% | -0.74% | -0.13% | -1.75% | -7.40% | -7.23% | -5.77% | -12.73% | -1,098 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.04% | 1.33% | 3.47% | 2.29% | 4.30% | 7.31% | 6.62% | +315 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 | 7.20% | 7.41% | 6.90% | 9.83% | 7.94% | 6.71% | 7.81% | 8.20% | -163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.94% | 31.03% | 31.15% | 27.82% | 28.61% | 27.92% | 26.04% | 26.56% | -126 bps | |
| Net Worth / Assets | 30.94% | 31.03% | 31.15% | 27.82% | 28.61% | 27.92% | 26.04% | 26.56% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 125.04% | 123.50% | 125.47% | 119.45% | 117.88% | 112.08% | 102.87% | 109.91% | -954 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shreveport, LA · Charter 60261 · Peer group: credit unions under $1B in assets in LA (n=59)
NCUA · 2 branches
Q4 2025
Return on Assets
-5.80%
Rank 58 of 59
Net Interest Margin
7.25%
Rank 1 of 59
Efficiency Ratio
114.81%
Rank 57 of 59
Equity / Assets
26.50%
Rank 10 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -5.80% | 0.10% | 0.48% | 0.95% | Beats 2% | 58 / 59 | ||
| Return on Equity | -21.88% | 0.67% | 3.16% | 5.67% | Beats 5% | 56 / 59 | ||
| Net Interest Margin | 7.25% | 3.27% | 4.02% | 4.58% | Beats 98% | 1 / 59 | ||
| Efficiency Ratio | 114.81% | 74.17% | 81.48% | 90.69% | Beats 5% | 57 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.56% | 0.41% | 1.30% | 2.20% | Beats 5% | 57 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.56% | 11.67% | 15.11% | 23.29% | Beats 83% | 10 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.50% | 11.67% | 15.11% | 23.29% | Beats 83% | 10 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.91% | 54.84% | 72.42% | 82.68% | 97th pctl | 2 / 59 | ||
| Loans / Assets | 80.54% | 48.87% | 59.81% | 70.07% | 93rd pctl | 4 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||