Harahan, LA · Charter 61724
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 | 0.06% | -0.64% | -1.63% | -5.45% | -3.85% | -5.19% | -19.88% | -11.34% | -589 bps | |
| Return on Equity | 0.61% | -6.62% | -17.55% | -75.11% | -53.35% | -100.06% | -6119% | n/a | n/a | |
| Net Interest Margin | 5.46% | 5.78% | 5.28% | 5.40% | 5.41% | 5.64% | 5.20% | 5.48% | +8 bps | |
| Efficiency Ratio | 87.68% | 88.13% | 95.28% | 104.46% | 105.52% | 108.67% | 141.50% | 133.53% | +2,906 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.78% | -12.35% | -11.87% | -9.97% | -8.87% | -8.09% | -10.11% | -12.12% | -215 bps | |
| Loan Growth (YoY) | -8.85% | -11.45% | -15.87% | -18.60% | -22.06% | -25.16% | -19.72% | -16.22% | +238 bps | |
| Share Growth (YoY) | -0.68% | -12.34% | -10.92% | -7.78% | -5.27% | -3.34% | -3.13% | -5.04% | +274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.06% | 6.38% | 6.06% | 6.22% | 3.65% | 1.54% | 1.23% | 2.10% | -412 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.07% | 9.75% | 9.31% | 7.26% | 7.22% | 5.19% | 0.32% | -0.11% | -737 bps | |
| Net Worth / Assets | 10.07% | 9.75% | 9.31% | 7.26% | 7.22% | 5.19% | 0.32% | -0.11% | -737 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.89% | 90.02% | 83.11% | 78.90% | 73.13% | 69.70% | 68.88% | 69.61% | -929 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |