Rayne, LA · Charter 62564
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
21
Profitability
63
Liquidity
36
Efficiency
86
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.
Rayne, LA · Charter 62564
NCUA · 1 branch
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 | 0.97% | 0.04% | 1.35% | 1.08% | 1.01% | 0.01% | 0.18% | 0.88% | -20 bps | |
| Return on Equity | 4.62% | 0.17% | 6.69% | 5.34% | 4.87% | 0.07% | 0.91% | 4.47% | -87 bps | |
| Net Interest Margin | 3.34% | 2.81% | 3.78% | 3.87% | 4.01% | 3.24% | 4.05% | 4.10% | +23 bps | |
| Efficiency Ratio | 76.94% | 92.07% | 72.09% | 70.53% | 71.38% | 87.58% | 68.90% | 69.47% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.02% | -3.86% | -1.74% | -1.40% | 1.34% | 0.95% | 2.93% | 2.30% | +370 bps | |
| Loan Growth (YoY) | 13.62% | 9.59% | 4.90% | 0.64% | -5.05% | -3.39% | -4.95% | -5.21% | -584 bps | |
| Share Growth (YoY) | -4.60% | -5.39% | -2.85% | -2.45% | 1.56% | 1.06% | 4.02% | 3.06% | +551 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 2.28% | 1.41% | 1.65% | 0.89% | 1.29% | 1.71% | 2.12% | +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 | 20.89% | 20.32% | 20.20% | 20.27% | 20.76% | 20.14% | 19.36% | 19.67% | -60 bps | |
| Net Worth / Assets | 20.89% | 20.32% | 20.20% | 20.27% | 20.76% | 20.14% | 19.36% | 19.67% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.18% | 56.53% | 55.31% | 54.69% | 54.40% | 54.04% | 50.54% | 50.30% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rayne, LA · Charter 62564 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
0.87%
Rank 18 of 57
Net Interest Margin
4.09%
Rank 23 of 57
Efficiency Ratio
69.54%
Rank 9 of 56
Equity / Assets
19.67%
Rank 19 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.18% | 0.61% | 1.03% | Beats 68% | 18 / 57 | ||
| Return on Equity | 4.45% | 0.88% | 3.71% | 5.62% | Beats 61% | 22 / 57 | ||
| Net Interest Margin | 4.09% | 3.51% | 3.94% | 4.60% | Beats 60% | 23 / 57 | ||
| Efficiency Ratio | 69.54% | 76.49% | 84.29% | 92.65% | Beats 86% | 9 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.11% | 0.35% | 1.18% | 2.04% | Beats 21% | 46 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.67% | 11.86% | 15.46% | 23.44% | Beats 67% | 19 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.67% | 11.86% | 15.46% | 23.44% | Beats 67% | 19 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.30% | 55.77% | 71.07% | 79.18% | 18th pctl | 47 / 57 | ||
| Loans / Assets | 40.26% | 44.60% | 59.45% | 67.17% | 19th pctl | 46 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||