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 | |