Lake Charles, LA · Charter 63142
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.64% | 0.80% | 0.24% | 0.36% | -15 bps | |
| Return on Equity | 3.06% | 3.85% | 4.78% | 1.44% | 2.21% | -85 bps | |
| Net Interest Margin | 3.98% | 3.91% | 3.88% | 3.37% | 3.38% | -60 bps | |
| Efficiency Ratio | 82.35% | 80.98% | 77.81% | 87.72% | 86.20% | +385 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.08% | 4.24% | 5.95% | 4.76% | 6.93% | +701 bps | |
| Loan Growth (YoY) | -5.11% | -6.89% | -3.99% | -1.59% | -0.58% | +453 bps | |
| Share Growth (YoY) | -1.33% | 3.91% | 6.03% | 4.59% | 7.35% | +868 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.66% | 16.61% | 16.82% | 16.46% | 16.29% | -37 bps | |
| Net Worth / Assets | 16.66% | 16.61% | 16.82% | 16.46% | 16.29% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |