Lafayette, LA · Charter 63143
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.07% | 1.51% | 1.01% | 0.20% | 1.46% | -61 bps | |
| Return on Equity | 6.88% | 4.96% | 3.34% | 0.63% | 4.66% | -222 bps | |
| Net Interest Margin | 4.40% | 3.84% | 3.32% | 2.89% | 3.91% | -49 bps | |
| Efficiency Ratio | 53.01% | 60.54% | 69.47% | 93.22% | 62.70% | +970 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.36% | 0.44% | -0.98% | -1.42% | -1.75% | -139 bps | |
| Loan Growth (YoY) | -3.32% | -16.97% | -16.14% | -14.37% | -15.18% | -1,186 bps | |
| Share Growth (YoY) | -2.16% | -0.71% | -2.53% | -3.44% | -3.48% | -131 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.24% | 10.42% | 9.83% | 9.35% | 32.55% | +2,231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.23% | 11.82% | 11.37% | 12.17% | 12.68% | +145 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.03% | 30.55% | 30.39% | 30.96% | 31.26% | +123 bps | |
| Net Worth / Assets | 30.03% | 30.55% | 30.39% | 30.96% | 31.26% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.68% | 41.46% | 43.11% | 41.19% | 37.51% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |