Baton Rouge, LA · Charter 62148
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
39
Profitability
22
Liquidity
84
Efficiency
4
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.
Baton Rouge, LA · Charter 62148
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.23% | -0.45% | -2.45% | -1.96% | -1.92% | -3.34% | -16.66% | -1,421 bps | |
| Return on Equity | -0.07% | -1.06% | -2.09% | -11.45% | -8.98% | -8.79% | -16.49% | -98.70% | -8,725 bps | |
| Net Interest Margin | 3.41% | 3.61% | 3.40% | 3.59% | 3.79% | 3.80% | 3.52% | 4.40% | +82 bps | |
| Efficiency Ratio | 100.34% | 105.54% | 111.66% | 104.51% | 108.56% | 114.88% | 95.90% | 383% | +27,834 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.99% | -10.66% | -11.72% | -10.71% | -10.74% | -10.29% | -5.50% | -17.58% | -686 bps | |
| Loan Growth (YoY) | 15.24% | 14.55% | 8.32% | 0.07% | -9.28% | -11.86% | -15.48% | -17.93% | -1,800 bps | |
| Share Growth (YoY) | -13.88% | -13.61% | -15.12% | -11.59% | -10.84% | -10.12% | -2.58% | -12.59% | -100 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.25% | 3.13% | 1.09% | 0.88% | 1.05% | 2.40% | 2.39% | 1.34% | +47 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 | 21.01% | 21.34% | 21.54% | 21.37% | 21.82% | 21.87% | 20.23% | 16.87% | -450 bps | |
| Net Worth / Assets | 21.01% | 21.34% | 21.54% | 21.37% | 21.82% | 21.87% | 20.23% | 16.87% | -450 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.48% | 73.45% | 73.91% | 74.77% | 73.75% | 72.03% | 64.12% | 70.21% | -457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baton Rouge, LA · Charter 62148 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=23)
NCUA · 1 branch
Q2 2025
Return on Assets
-16.66%
Rank 23 of 23
Net Interest Margin
4.40%
Rank 8 of 23
Efficiency Ratio
383%
Rank 23 of 23
Equity / Assets
16.87%
Rank 8 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -16.66% | -0.16% | 0.49% | 1.46% | Beats 0% | 23 / 23 | ||
| Return on Equity | -98.74% | -1.42% | 3.57% | 8.90% | Beats 0% | 23 / 23 | ||
| Net Interest Margin | 4.40% | 3.65% | 4.13% | 4.73% | Beats 65% | 8 / 23 | ||
| Efficiency Ratio | 383% | 68.69% | 80.35% | 92.75% | Beats 4% | 23 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.34% | 0.43% | 0.69% | 2.75% | Beats 39% | 15 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.87% | 11.14% | 14.79% | 18.64% | Beats 65% | 8 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.87% | 11.14% | 14.79% | 18.64% | Beats 65% | 8 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.21% | 56.32% | 74.45% | 85.98% | 35th pctl | 15 / 23 | ||
| Loans / Assets | 57.71% | 48.51% | 64.77% | 70.95% | 30th pctl | 16 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||