PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Louisiana

Lake Charles, LA · Charter 62756

NCUA · 5 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.18%0.16%0.42%0.58%0.70%0.58%0.61%+19 bps
Return on Equity1.68%1.17%1.04%2.73%3.67%4.40%3.72%3.87%+114 bps
Net Interest Margin4.39%4.45%4.44%4.61%4.75%4.81%4.81%4.87%+26 bps
Efficiency Ratio84.85%85.31%84.20%83.62%81.46%79.51%82.88%84.70%+108 bps
Growth
Asset Growth (YoY)1.15%1.03%2.53%0.88%1.01%2.34%1.94%2.72%+184 bps
Loan Growth (YoY)1.71%1.13%2.45%4.54%6.21%6.86%4.55%5.89%+135 bps
Share Growth (YoY)1.42%3.03%2.66%0.62%1.65%1.63%2.21%3.49%+287 bps
Asset Quality
Delinquent Loans / Loans1.26%1.30%1.24%1.07%0.95%1.09%1.01%1.45%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.64%15.69%15.12%15.55%15.83%15.95%15.54%15.84%+29 bps
Net Worth / Assets15.64%15.69%15.12%15.55%15.83%15.95%15.54%15.84%+29 bps
Liquidity & Funding
Loans / Shares92.94%93.78%90.37%95.31%97.10%98.60%92.44%97.51%+221 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps