PackageTrendsPeer
Letter portraitLegal landscape

Southwest Louisiana

Lake Charles, LA · Charter 62756

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in LA3

Basis

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.

Peer group

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.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southwest Louisiana

Lake Charles, LA · Charter 62756

NCUA · 5 branches

Q2 2026

$182.6MAssets
$150.6MLoans
$154.4MShares
$28.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.61%, up 19 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 1.45% of loans (+38 bps YoY).
  • Capital: net worth / assets of 15.84%, up 29 bps from a year ago.
  • Funding: loans stand at 97.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.87%+26 bps YoY

Efficiency Ratio (YTD, annualized)

84.70%+108 bps YoY

Net Worth / Assets

15.84%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.58%0.70%0.58%0.61%+19 bps
Return on Equity2.73%3.67%4.40%3.72%3.87%+114 bps
Net Interest Margin4.61%4.75%4.81%4.81%4.87%+26 bps
Efficiency Ratio83.62%81.46%79.51%82.88%84.70%+108 bps
Growth
Asset Growth (YoY)0.88%1.01%2.34%1.94%2.72%+184 bps
Loan Growth (YoY)4.54%6.21%6.86%4.55%5.89%+135 bps
Share Growth (YoY)0.62%1.65%1.63%2.21%3.49%+287 bps
Asset Quality
Delinquent Loans / Loans1.07%0.95%1.09%1.01%1.45%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.55%15.83%15.95%15.54%15.84%+29 bps
Net Worth / Assets15.55%15.83%15.95%15.54%15.84%+29 bps
Liquidity & Funding
Loans / Shares95.31%97.10%98.60%92.44%97.51%+221 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southwest Louisiana

Lake Charles, LA · Charter 62756 · Peer group: credit unions under $1B in assets in LA (n=56-57)

NCUA · 5 branches

Q2 2026

$182.6MAssets
$150.6MLoans
$154.4MShares
$28.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in LA (rank 8 of 57).
  • Widest gap: efficiency ratio trails 55% of credit unions under $1B in assets in LA (rank 32 of 56).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.61%

Rank 29 of 57

Net Interest Margin

4.87%

Rank 8 of 57

Efficiency Ratio

84.68%

Rank 32 of 56

Equity / Assets

15.84%

Rank 27 of 57

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.18%0.61%1.03%Beats 49%29 / 57
Return on Equity3.87%0.88%3.71%5.62%Beats 53%27 / 57
Net Interest Margin4.87%3.51%3.94%4.60%Beats 86%8 / 57
Efficiency Ratio84.68%76.49%84.29%92.65%Beats 45%32 / 56
Asset Quality
Nonperforming Loans / Loans1.45%0.35%1.18%2.04%Beats 46%32 / 57
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.84%11.86%15.46%23.44%Beats 53%27 / 57
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.84%11.86%15.46%23.44%Beats 53%27 / 57
Liquidity & Funding
Loans / Deposits97.51%55.77%71.07%79.18%91st pctl5 / 57
Loans / Assets82.48%44.60%59.45%67.17%96th pctl2 / 57
Brokered Deposits / Depositsn/aNot reported for this institution