PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Federal Employees

Monroe, LA · Charter 62929

NCUA · 1 branch

Q2 2026

$22.4MAssets
$14.9MLoans
$14.9MShares
$7.4MNet 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 1.79%, up 9 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.18% of loans (-104 bps YoY).
  • Capital: net worth / assets of 33.18%, up 11 bps from a year ago.
  • Funding: loans stand at 99.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+6 bps YoY

Efficiency Ratio (YTD, annualized)

61.11%-186 bps YoY

Net Worth / Assets

33.18%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.68%1.07%1.46%1.79%+9 bps
Return on Equity5.13%5.13%3.35%4.55%5.38%+26 bps
Net Interest Margin4.17%4.09%4.14%4.10%4.23%+6 bps
Efficiency Ratio62.97%62.42%66.26%67.63%61.11%-186 bps
Growth
Asset Growth (YoY)-1.05%3.98%4.39%3.39%2.99%+404 bps
Loan Growth (YoY)3.34%-4.58%-2.50%-7.53%-5.45%-880 bps
Share Growth (YoY)-3.20%4.10%5.32%3.95%2.75%+595 bps
Asset Quality
Delinquent Loans / Loans2.22%0.95%0.17%1.63%1.18%-104 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 Capital33.07%32.67%32.04%32.11%33.18%+11 bps
Net Worth / Assets33.07%32.67%32.04%32.11%33.18%+11 bps
Liquidity & Funding
Loans / Shares108.56%102.37%99.62%95.15%99.89%-867 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps