PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Calcasieu Teachers and Employees

Lake Charles, LA · Charter 63142

NCUA · 3 branches

Q2 2026

$62.9MAssets
$24.5MLoans
$52.4MShares
$10.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.36%, down 15 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.13% of loans (-3 bps YoY).
  • Capital: net worth / assets of 16.29%, down 37 bps from a year ago.
  • Funding: loans stand at 46.77% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.36%-15 bps YoY

Net Interest Margin (quarter, annualized)

3.38%-60 bps YoY

Efficiency Ratio (quarter, annualized)

86.20%+385 bps YoY

Net Worth / Assets

16.29%-37 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.24%0.66%0.51%0.64%0.80%0.24%0.36%-15 bps
Return on Equity6.32%7.34%4.01%3.06%3.85%4.78%1.44%2.21%-85 bps
Net Interest Margin4.13%4.19%3.90%3.98%3.91%3.88%3.37%3.38%-60 bps
Efficiency Ratio74.69%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 / Loans0.08%0.07%0.23%0.16%0.07%0.10%0.28%0.13%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.35%16.96%16.53%16.66%16.61%16.82%16.46%16.29%-37 bps
Net Worth / Assets16.35%16.96%16.53%16.66%16.61%16.82%16.46%16.29%-37 bps
Liquidity & Funding
Loans / Shares53.98%54.07%50.78%50.50%48.37%48.96%47.78%46.77%-373 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps