Westlake, LA · Charter 61963
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 0.71% | 0.38% | -0.06% | 0.16% | -105 bps | |
| Return on Equity | 4.17% | 2.39% | 1.24% | -0.20% | 0.54% | -364 bps | |
| Net Interest Margin | 6.18% | 6.28% | 6.49% | 6.16% | 6.12% | -5 bps | |
| Efficiency Ratio | 78.41% | 84.08% | 84.66% | 93.97% | 89.82% | +1,141 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.71% | -6.55% | -6.20% | -6.45% | -5.36% | +34 bps | |
| Loan Growth (YoY) | -9.28% | -7.61% | -8.95% | -14.55% | -16.03% | -675 bps | |
| Share Growth (YoY) | -8.73% | -10.11% | -9.21% | -9.14% | -7.39% | +134 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.61% | 0.48% | 1.02% | 0.96% | 1.25% | +64 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.05% | 29.62% | 30.60% | 30.32% | 30.51% | +147 bps | |
| Net Worth / Assets | 29.05% | 29.62% | 30.60% | 30.32% | 30.51% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |