Westlake, LA · Charter 61963
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
89
Asset Quality
77
Profitability
47
Liquidity
0
Efficiency
29
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.
Westlake, LA · Charter 61963
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 | -0.29% | 0.09% | 1.12% | 1.21% | 0.71% | 0.38% | -0.06% | 0.16% | -105 bps | |
| Return on Equity | -1.07% | 0.31% | 3.95% | 4.17% | 2.39% | 1.24% | -0.20% | 0.54% | -364 bps | |
| Net Interest Margin | 6.10% | 6.33% | 6.05% | 6.18% | 6.28% | 6.49% | 6.16% | 6.12% | -5 bps | |
| Efficiency Ratio | 75.34% | 76.56% | 81.71% | 78.41% | 84.08% | 84.66% | 93.97% | 89.82% | +1,141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.66% | -7.88% | -6.93% | -5.71% | -6.55% | -6.20% | -6.45% | -5.36% | +34 bps | |
| Loan Growth (YoY) | -10.06% | -8.73% | -7.49% | -9.28% | -7.61% | -8.95% | -14.55% | -16.03% | -675 bps | |
| Share Growth (YoY) | -10.38% | -10.82% | -10.07% | -8.73% | -10.11% | -9.21% | -9.14% | -7.39% | +134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.78% | 0.35% | 0.54% | 0.51% | 0.31% | 0.00% | 0.31% | -23 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 | 0.95% | 0.96% | 0.83% | 0.61% | 0.48% | 1.02% | 0.96% | 1.25% | +64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.88% | 28.35% | 28.30% | 29.05% | 29.62% | 30.60% | 30.32% | 30.51% | +147 bps | |
| Net Worth / Assets | 26.88% | 28.35% | 28.30% | 29.05% | 29.62% | 30.60% | 30.32% | 30.51% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.20% | 109.49% | 107.06% | 107.52% | 107.10% | 109.80% | 100.69% | 97.49% | -1,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Westlake, LA · Charter 61963 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
0.18%
Rank 43 of 57
Net Interest Margin
6.11%
Rank 3 of 57
Efficiency Ratio
90.53%
Rank 41 of 56
Equity / Assets
30.51%
Rank 6 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.18% | 0.61% | 1.03% | Beats 25% | 43 / 57 | ||
| Return on Equity | 0.60% | 0.88% | 3.71% | 5.62% | Beats 21% | 45 / 57 | ||
| Net Interest Margin | 6.11% | 3.51% | 3.94% | 4.60% | Beats 95% | 3 / 57 | ||
| Efficiency Ratio | 90.53% | 76.49% | 84.29% | 92.65% | Beats 29% | 41 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.35% | 1.18% | 2.04% | Beats 77% | 14 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 30.51% | 11.86% | 15.46% | 23.44% | Beats 89% | 6 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 30.51% | 11.86% | 15.46% | 23.44% | Beats 89% | 6 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.50% | 55.77% | 71.07% | 79.18% | 89th pctl | 6 / 57 | ||
| Loans / Assets | 67.27% | 44.60% | 59.45% | 67.17% | 77th pctl | 13 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||