Rayne, LA · Charter 62564
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 | 1.08% | 1.01% | 0.01% | 0.18% | 0.88% | -20 bps | |
| Return on Equity | 5.34% | 4.87% | 0.07% | 0.91% | 4.47% | -87 bps | |
| Net Interest Margin | 3.87% | 4.01% | 3.24% | 4.05% | 4.10% | +23 bps | |
| Efficiency Ratio | 70.53% | 71.38% | 87.58% | 68.90% | 69.47% | -107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.40% | 1.34% | 0.95% | 2.93% | 2.30% | +370 bps | |
| Loan Growth (YoY) | 0.64% | -5.05% | -3.39% | -4.95% | -5.21% | -584 bps | |
| Share Growth (YoY) | -2.45% | 1.56% | 1.06% | 4.02% | 3.06% | +551 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.27% | 20.76% | 20.14% | 19.36% | 19.67% | -60 bps | |
| Net Worth / Assets | 20.27% | 20.76% | 20.14% | 19.36% | 19.67% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |