PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ascension

Gonzales, LA · Charter 62018

NCUA · 4 branches

Q2 2026

$108.1MAssets
$83.5MLoans
$95.3MShares
$12.1MNet 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 0.37%, up 7 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.35% of loans (+33 bps YoY).
  • Capital: net worth / assets of 11.23%, up 9 bps from a year ago.
  • Funding: loans stand at 87.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+21 bps YoY

Efficiency Ratio (YTD, annualized)

90.60%-215 bps YoY

Net Worth / Assets

11.23%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.32%0.33%0.35%0.37%+7 bps
Return on Equity2.67%2.90%3.03%3.14%3.30%+63 bps
Net Interest Margin4.72%4.71%4.72%4.75%4.94%+21 bps
Efficiency Ratio92.76%92.15%92.02%91.22%90.60%-215 bps
Growth
Asset Growth (YoY)1.16%4.66%7.20%1.02%2.61%+145 bps
Loan Growth (YoY)2.94%8.00%5.90%6.25%4.43%+150 bps
Share Growth (YoY)0.65%4.72%5.51%1.00%2.52%+187 bps
Asset Quality
Delinquent Loans / Loans0.02%0.04%0.07%0.17%0.35%+33 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 Capital11.14%11.02%11.01%11.04%11.23%+9 bps
Net Worth / Assets11.14%11.02%11.01%11.04%11.23%+9 bps
Liquidity & Funding
Loans / Shares85.98%89.89%90.73%87.01%87.58%+161 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps