Lake Charles, LA · Charter 63142
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
84
Profitability
30
Liquidity
25
Efficiency
36
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.
Lake Charles, LA · Charter 63142
NCUA · 3 branches
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.24% | 0.66% | 0.51% | 0.64% | 0.80% | 0.24% | 0.36% | -15 bps | |
| Return on Equity | 6.32% | 7.34% | 4.01% | 3.06% | 3.85% | 4.78% | 1.44% | 2.21% | -85 bps | |
| Net Interest Margin | 4.13% | 4.19% | 3.90% | 3.98% | 3.91% | 3.88% | 3.37% | 3.38% | -60 bps | |
| Efficiency Ratio | 74.69% | 70.88% | 82.51% | 82.35% | 80.98% | 77.81% | 87.72% | 86.20% | +385 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.02% | -6.03% | -2.02% | -0.08% | 4.24% | 5.95% | 4.76% | 6.93% | +701 bps | |
| Loan Growth (YoY) | -4.25% | -4.74% | -5.00% | -5.11% | -6.89% | -3.99% | -1.59% | -0.58% | +453 bps | |
| Share Growth (YoY) | -7.08% | -8.55% | -3.67% | -1.33% | 3.91% | 6.03% | 4.59% | 7.35% | +868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.07% | 0.23% | 0.16% | 0.07% | 0.10% | 0.28% | 0.13% | -3 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.35% | 16.96% | 16.53% | 16.66% | 16.61% | 16.82% | 16.46% | 16.29% | -37 bps | |
| Net Worth / Assets | 16.35% | 16.96% | 16.53% | 16.66% | 16.61% | 16.82% | 16.46% | 16.29% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.98% | 54.07% | 50.78% | 50.50% | 48.37% | 48.96% | 47.78% | 46.77% | -373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Charles, LA · Charter 63142 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 3 branches
Q2 2026
Return on Assets
0.36%
Rank 37 of 57
Net Interest Margin
3.38%
Rank 44 of 57
Efficiency Ratio
86.22%
Rank 37 of 56
Equity / Assets
16.29%
Rank 26 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.18% | 0.61% | 1.03% | Beats 35% | 37 / 57 | ||
| Return on Equity | 2.21% | 0.88% | 3.71% | 5.62% | Beats 32% | 39 / 57 | ||
| Net Interest Margin | 3.38% | 3.51% | 3.94% | 4.60% | Beats 23% | 44 / 57 | ||
| Efficiency Ratio | 86.22% | 76.49% | 84.29% | 92.65% | Beats 36% | 37 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.35% | 1.18% | 2.04% | Beats 84% | 10 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.29% | 11.86% | 15.46% | 23.44% | Beats 54% | 26 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.29% | 11.86% | 15.46% | 23.44% | Beats 54% | 26 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.77% | 55.77% | 71.07% | 79.18% | 16th pctl | 48 / 57 | ||
| Loans / Assets | 38.94% | 44.60% | 59.45% | 67.17% | 16th pctl | 48 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||