Shreveport, LA · Charter 60261
NCUA · 2 branches
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.49% | -0.80% | -2.64% | -4.43% | -5.76% | -27 bps | |
| Return on Equity | -19.75% | -2.78% | -9.45% | -17.01% | -21.71% | -195 bps | |
| Net Interest Margin | 7.78% | 7.30% | 6.99% | 6.85% | 7.28% | -50 bps | |
| Efficiency Ratio | 92.57% | 109.65% | 108.29% | 111.96% | 114.43% | +2,186 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.59% | -10.47% | -11.28% | -12.20% | -14.49% | -790 bps | |
| Loan Growth (YoY) | -10.75% | -12.70% | -15.81% | -22.74% | -19.70% | -895 bps | |
| Share Growth (YoY) | -1.75% | -7.40% | -7.23% | -5.77% | -12.73% | -1,098 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 9.83% | 7.94% | 6.71% | 7.81% | 8.20% | -163 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.82% | 28.61% | 27.92% | 26.04% | 26.56% | -126 bps | |
| Net Worth / Assets | 27.82% | 28.61% | 27.92% | 26.04% | 26.56% | -126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |