Gonzales, LA · Charter 62018
NCUA · 4 branches
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 the Baton Rouge, LA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
81
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.
Gonzales, LA · Charter 62018
NCUA · 4 branches
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 | 0.41% | 0.37% | 0.26% | 0.30% | 0.32% | 0.33% | 0.35% | 0.37% | +7 bps | |
| Return on Equity | 3.67% | 3.20% | 2.38% | 2.67% | 2.90% | 3.03% | 3.14% | 3.30% | +63 bps | |
| Net Interest Margin | 4.35% | 4.48% | 4.50% | 4.72% | 4.71% | 4.72% | 4.75% | 4.94% | +21 bps | |
| Efficiency Ratio | 92.86% | 93.40% | 92.92% | 92.76% | 92.15% | 92.02% | 91.22% | 90.60% | -215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.49% | -2.39% | 2.17% | 1.16% | 4.66% | 7.20% | 1.02% | 2.61% | +145 bps | |
| Loan Growth (YoY) | 3.14% | 3.01% | 2.02% | 2.94% | 8.00% | 5.90% | 6.25% | 4.43% | +150 bps | |
| Share Growth (YoY) | -1.00% | -1.71% | 2.34% | 0.65% | 4.72% | 5.51% | 1.00% | 2.52% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.35% | 0.02% | 0.02% | 0.04% | 0.07% | 0.17% | 0.35% | +33 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 | 11.23% | 11.44% | 10.79% | 11.14% | 11.02% | 11.01% | 11.04% | 11.23% | +9 bps | |
| Net Worth / Assets | 11.23% | 11.44% | 10.79% | 11.14% | 11.02% | 11.01% | 11.04% | 11.23% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.16% | 90.40% | 82.71% | 85.98% | 89.89% | 90.73% | 87.01% | 87.58% | +161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gonzales, LA · Charter 62018 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)
NCUA · 4 branches
Q2 2026
Return on Assets
0.37%
Rank 14 of 21
Net Interest Margin
4.94%
Rank 5 of 21
Efficiency Ratio
90.61%
Rank 16 of 21
Equity / Assets
11.23%
Rank 16 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.20% | 0.59% | 1.13% | Beats 33% | 14 / 21 | ||
| Return on Equity | 3.29% | 1.01% | 4.78% | 7.97% | Beats 33% | 14 / 21 | ||
| Net Interest Margin | 4.94% | 3.81% | 3.95% | 4.86% | Beats 76% | 5 / 21 | ||
| Efficiency Ratio | 90.61% | 72.50% | 80.80% | 90.61% | Beats 29% | 16 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.36% | 0.80% | 1.45% | Beats 81% | 5 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.23% | 11.23% | 14.10% | 17.49% | Beats 24% | 16 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.23% | 11.23% | 14.10% | 17.49% | Beats 24% | 16 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.58% | 58.58% | 76.49% | 83.93% | 86th pctl | 3 / 21 | ||
| Loans / Assets | 77.20% | 53.07% | 62.76% | 69.97% | 81st pctl | 4 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||