PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cabot Employees

Ville Platte, LA · Charter 62896

NCUA · 1 branch

Q2 2025

$419KAssets
$165KLoans
$353KShares
$66KNet 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 0.55%, down 78 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.65%, up 171 bps from a year ago.
  • Funding: loans stand at 46.70% of shares as of Q2 2025.

Financial Results

Return on Assets (quarter, annualized)

0.55%-78 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-47 bps YoY

Efficiency Ratio (quarter, annualized)

90.55%+1,216 bps YoY

Net Worth / Assets

15.65%+171 bps YoY

Discrete quarter, annualized.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.33%1.34%0.99%0.21%0.55%-78 bps
Return on Equity9.56%8.99%6.62%1.31%3.51%-605 bps
Net Interest Margin4.25%4.51%4.37%4.00%3.78%-47 bps
Efficiency Ratio78.40%79.46%84.52%96.57%90.55%+1,216 bps
Growth
Asset Growth (YoY)-23.90%-11.65%-14.40%-12.89%-7.53%+1,637 bps
Loan Growth (YoY)16.46%-13.86%-17.53%-13.48%-12.30%-2,877 bps
Share Growth (YoY)-27.72%-14.66%-17.35%-15.75%-9.38%+1,834 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.42%3.57%4.04%3.67%3.90%+48 bps
Capital
Risk-Based Capital13.94%14.91%14.95%16.06%15.65%+171 bps
Net Worth / Assets13.94%14.91%14.95%16.06%15.65%+171 bps
Liquidity & Funding
Loans / Shares48.26%48.94%43.33%51.83%46.70%-156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps