Ville Platte, LA · Charter 62896
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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 (n=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
100
Profitability
37
Liquidity
20
Efficiency
13
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.
Ville Platte, LA · Charter 62896
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.08% | 0.79% | 1.33% | 1.34% | 0.99% | 0.21% | 0.55% | -78 bps | |
| Return on Equity | 9.82% | 9.02% | 5.94% | 9.56% | 8.99% | 6.62% | 1.31% | 3.51% | -605 bps | |
| Net Interest Margin | 3.40% | 3.28% | 3.93% | 4.25% | 4.51% | 4.37% | 4.00% | 3.78% | -47 bps | |
| Efficiency Ratio | 78.20% | 79.07% | 86.61% | 78.40% | 79.46% | 84.52% | 96.57% | 90.55% | +1,216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.12% | -20.93% | -23.06% | -23.90% | -11.65% | -14.40% | -12.89% | -7.53% | +1,637 bps | |
| Loan Growth (YoY) | 107.24% | 108.85% | 40.77% | 16.46% | -13.86% | -17.53% | -13.48% | -12.30% | -2,877 bps | |
| Share Growth (YoY) | -22.75% | -23.90% | -26.63% | -27.72% | -14.66% | -17.35% | -15.75% | -9.38% | +1,834 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.74% | 3.10% | 2.95% | 3.42% | 3.57% | 4.04% | 3.67% | 3.90% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.95% | 11.95% | 13.22% | 13.94% | 14.91% | 14.95% | 16.06% | 15.65% | +171 bps | |
| Net Worth / Assets | 11.95% | 11.95% | 13.22% | 13.94% | 14.91% | 14.95% | 16.06% | 15.65% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.49% | 43.42% | 50.48% | 48.26% | 48.94% | 43.33% | 51.83% | 46.70% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ville Platte, LA · Charter 62896 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
Return on Assets
0.48%
Rank 1,141 of 1,659
Net Interest Margin
3.82%
Rank 784 of 1,658
Efficiency Ratio
91.67%
Rank 1,440 of 1,656
Equity / Assets
15.75%
Rank 451 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.78% | 1.25% | Beats 31% | 1,141 / 1,659 | ||
| Return on Equity | 3.03% | 2.75% | 6.06% | 9.41% | Beats 27% | 1,208 / 1,657 | ||
| Net Interest Margin | 3.82% | 3.20% | 3.76% | 4.33% | Beats 53% | 784 / 1,658 | ||
| Efficiency Ratio | 91.67% | 67.69% | 77.34% | 85.79% | Beats 13% | 1,440 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.65% | 1.35% | Beats 100% | 140 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.65% | 10.20% | 12.57% | 16.16% | Beats 72% | 461 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.75% | 10.20% | 12.57% | 16.15% | Beats 73% | 451 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.70% | 54.91% | 71.55% | 84.72% | 16th pctl | 1,389 / 1,658 | ||
| Loans / Assets | 39.38% | 46.17% | 60.56% | 71.91% | 16th pctl | 1,399 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||