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 | |