PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

-11.34%-589 bps YoY

Net Interest Margin (quarter, annualized)

5.48%+8 bps YoY

Efficiency Ratio (quarter, annualized)

133.53%+2,906 bps YoY

Net Worth / Assets

-0.11%-737 bps YoY

Discrete quarter, annualized.

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