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 | |