Abbeville, LA · Charter 61540
NCUA · 1 branch
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
51
Asset Quality
14
Profitability
40
Liquidity
80
Efficiency
77
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.
Abbeville, LA · Charter 61540
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 0.17% | 1.40% | 0.63% | 0.78% | 0.22% | 0.45% | 0.67% | +4 bps | |
| Return on Equity | 9.41% | 1.14% | 8.96% | 4.07% | 4.95% | 1.44% | 2.97% | 4.28% | +21 bps | |
| Net Interest Margin | 3.13% | 3.18% | 3.09% | 2.95% | 2.80% | 2.79% | 2.77% | 2.66% | -28 bps | |
| Efficiency Ratio | 55.50% | 70.59% | 57.33% | 79.76% | 73.86% | 85.42% | 84.46% | 76.17% | -359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | -2.47% | -3.60% | -2.32% | -1.61% | -1.36% | 1.77% | 1.00% | +332 bps | |
| Loan Growth (YoY) | 34.50% | 25.62% | 21.41% | 16.32% | 10.55% | 9.05% | 6.47% | 1.89% | -1,443 bps | |
| Share Growth (YoY) | -3.02% | -3.05% | -4.69% | -4.04% | -1.54% | -0.32% | 2.30% | 1.07% | +511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.05% | 1.73% | 1.70% | 2.46% | 2.04% | 2.39% | 2.81% | +110 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 | 0.24% | 1.66% | 1.63% | 1.54% | 1.51% | 1.85% | 1.86% | 1.32% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.84% | 15.07% | 15.57% | 15.48% | 15.71% | 15.50% | 15.29% | 15.56% | +9 bps | |
| Net Worth / Assets | 15.84% | 15.07% | 15.57% | 15.48% | 15.71% | 15.50% | 15.29% | 15.56% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.70% | 69.14% | 71.65% | 75.38% | 77.14% | 75.64% | 74.57% | 75.99% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Abbeville, LA · Charter 61540 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
0.67%
Rank 25 of 57
Net Interest Margin
2.65%
Rank 54 of 57
Efficiency Ratio
76.47%
Rank 14 of 56
Equity / Assets
15.56%
Rank 28 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.18% | 0.61% | 1.03% | Beats 56% | 25 / 57 | ||
| Return on Equity | 4.31% | 0.88% | 3.71% | 5.62% | Beats 58% | 24 / 57 | ||
| Net Interest Margin | 2.65% | 3.51% | 3.94% | 4.60% | Beats 5% | 54 / 57 | ||
| Efficiency Ratio | 76.47% | 76.49% | 84.29% | 92.65% | Beats 77% | 14 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.80% | 0.35% | 1.18% | 2.04% | Beats 14% | 50 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.56% | 11.86% | 15.46% | 23.44% | Beats 51% | 28 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.56% | 11.86% | 15.46% | 23.44% | Beats 51% | 28 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.99% | 55.77% | 71.07% | 79.18% | 68th pctl | 18 / 57 | ||
| Loans / Assets | 63.24% | 44.60% | 59.45% | 67.17% | 61st pctl | 22 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||