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Louisiana Central

Harahan, LA · Charter 61724

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New Orleans-Metairie, LA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Louisiana Central

Harahan, LA · Charter 61724

NCUA · 1 branch

Q2 2026

$9.1MAssets
$6.3MLoans
$9.1MShares
$-10KNet 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 -11.34%, down 589 bps year over year; NIM at 5.48%.
  • Asset quality: problem loans at 2.10% of loans (-412 bps YoY).
  • Capital: net worth / assets of -0.11%, down 737 bps from a year ago.
  • Funding: loans stand at 69.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-11.34%-589 bps YoY

Net Interest Margin (YTD, annualized)

5.48%+8 bps YoY

Efficiency Ratio (YTD, annualized)

133.53%+2,906 bps YoY

Net Worth / Assets

-0.11%-737 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-5.45%-3.85%-5.19%-19.88%-11.34%-589 bps
Return on Equity-75.11%-53.35%-100.06%-6119%n/an/a
Net Interest Margin5.40%5.41%5.64%5.20%5.48%+8 bps
Efficiency Ratio104.46%105.52%108.67%141.50%133.53%+2,906 bps
Growth
Asset Growth (YoY)-9.97%-8.87%-8.09%-10.11%-12.12%-215 bps
Loan Growth (YoY)-18.60%-22.06%-25.16%-19.72%-16.22%+238 bps
Share Growth (YoY)-7.78%-5.27%-3.34%-3.13%-5.04%+274 bps
Asset Quality
Delinquent Loans / Loans6.22%3.65%1.54%1.23%2.10%-412 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 Capital7.26%7.22%5.19%0.32%-0.11%-737 bps
Net Worth / Assets7.26%7.22%5.19%0.32%-0.11%-737 bps
Liquidity & Funding
Loans / Shares78.90%73.13%69.70%68.88%69.61%-929 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Louisiana Central

Harahan, LA · Charter 61724 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=29)

NCUA · 1 branch

Q2 2026

$9.1MAssets
$6.3MLoans
$9.1MShares
$-10KNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 4 of 29).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 29 of 29).
  • Overall: at or above the peer median on 1 of 6 directional measures.

Return on Assets

-11.34%

Rank 29 of 29

Net Interest Margin

5.48%

Rank 4 of 29

Efficiency Ratio

133.64%

Rank 27 of 29

Equity / Assets

-0.11%

Rank 29 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-11.34%-0.27%0.39%0.68%Beats 0%29 / 29
Return on Equityn/aNot reported for this institution
Net Interest Margin5.48%3.88%4.49%4.89%Beats 86%4 / 29
Efficiency Ratio133.64%77.78%86.62%97.23%Beats 10%27 / 29
Asset Quality
Nonperforming Loans / Loans2.10%0.22%1.19%2.21%Beats 34%20 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio-0.11%11.89%14.07%21.10%Beats 0%29 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets-0.11%11.89%14.07%21.10%Beats 0%29 / 29
Liquidity & Funding
Loans / Deposits69.61%45.57%67.88%82.54%55th pctl13 / 29
Loans / Assets69.33%34.60%52.32%69.33%72nd pctl8 / 29
Brokered Deposits / Depositsn/aNot reported for this institution