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Tangipahoa Parish Teachers

Amite, LA · Charter 60475

NCUA · 2 branches

Q2 2026

$32.8MAssets
$15.9MLoans
$21.0MShares
$11.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.19%, up 28 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.71% of loans (+74 bps YoY).
  • Capital: net worth / assets of 35.76%, down 88 bps from a year ago.
  • Funding: loans stand at 75.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.19%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+18 bps YoY

Efficiency Ratio (quarter, annualized)

60.40%-649 bps YoY

Net Worth / Assets

35.76%-88 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.00%0.92%1.20%1.19%+28 bps
Return on Equity2.48%2.74%2.50%3.30%3.33%+85 bps
Net Interest Margin3.00%3.06%3.13%3.21%3.18%+18 bps
Efficiency Ratio66.90%64.41%67.70%62.35%60.40%-649 bps
Growth
Asset Growth (YoY)2.76%3.94%3.49%4.59%5.55%+279 bps
Loan Growth (YoY)-2.20%2.83%1.60%-0.76%-3.50%-130 bps
Share Growth (YoY)3.10%4.79%4.00%5.56%7.00%+390 bps
Asset Quality
Delinquent Loans / Loans0.97%0.84%2.78%1.00%1.71%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital36.64%36.30%36.68%36.22%35.76%-88 bps
Net Worth / Assets36.64%36.30%36.68%36.22%35.76%-88 bps
Liquidity & Funding
Loans / Shares83.75%83.93%82.38%78.16%75.53%-822 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps