Baton Rouge, LA · Charter 62148
NCUA · 1 branch
Q2 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.45% | -1.96% | -1.92% | -3.34% | -16.66% | -1,421 bps | |
| Return on Equity | -11.45% | -8.98% | -8.79% | -16.49% | -98.70% | -8,725 bps | |
| Net Interest Margin | 3.59% | 3.79% | 3.80% | 3.52% | 4.40% | +82 bps | |
| Efficiency Ratio | 104.51% | 108.56% | 114.88% | 95.90% | 383% | +27,834 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.71% | -10.74% | -10.29% | -5.50% | -17.58% | -686 bps | |
| Loan Growth (YoY) | 0.07% | -9.28% | -11.86% | -15.48% | -17.93% | -1,800 bps | |
| Share Growth (YoY) | -11.59% | -10.84% | -10.12% | -2.58% | -12.59% | -100 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.37% | 21.82% | 21.87% | 20.23% | 16.87% | -450 bps | |
| Net Worth / Assets | 21.37% | 21.82% | 21.87% | 20.23% | 16.87% | -450 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |