Franklin, LA · Charter 62441
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.47% | -2.18% | -3.38% | 0.77% | 0.98% | +445 bps | |
| Return on Equity | -12.48% | -7.60% | -12.84% | 2.83% | 3.64% | +1,612 bps | |
| Net Interest Margin | 3.56% | 3.29% | 1.14% | 2.97% | 3.02% | -54 bps | |
| Efficiency Ratio | 62.04% | 67.96% | 137.09% | 78.01% | 74.20% | +1,217 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.24% | 1.06% | 3.22% | -5.32% | -0.84% | -608 bps | |
| Loan Growth (YoY) | -29.67% | -34.32% | -36.49% | -35.58% | -27.15% | +253 bps | |
| Share Growth (YoY) | 11.75% | 6.33% | 9.81% | -2.79% | 0.25% | -1,150 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.20% | 5.70% | 6.32% | 0.00% | 0.00% | -220 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.98% | 6.97% | 7.74% | 5.01% | 4.69% | -129 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.80% | 28.68% | 26.31% | 27.34% | 26.97% | -83 bps | |
| Net Worth / Assets | 27.80% | 28.68% | 26.31% | 27.34% | 26.97% | -83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.49% | 57.39% | 50.67% | 45.16% | 46.86% | -1,762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |