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Baton Rouge City Parish Emp

Baton Rouge, LA · Charter 6339

NCUA · 1 branch

Q2 2026

$58.2MAssets
$19.5MLoans
$45.2MShares
$12.8MNet 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 1.83%, down 8 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.33% of loans (+6 bps YoY).
  • Capital: net worth / assets of 21.98%, up 57 bps from a year ago.
  • Funding: loans stand at 43.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.83%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.90%-36 bps YoY

Efficiency Ratio (YTD, annualized)

65.84%+55 bps YoY

Net Worth / Assets

21.98%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%2.03%1.14%1.74%1.83%-8 bps
Return on Equity8.90%9.22%5.27%7.98%8.33%-57 bps
Net Interest Margin4.26%4.24%3.72%3.95%3.90%-36 bps
Efficiency Ratio65.29%63.40%73.36%68.19%65.84%+55 bps
Growth
Asset Growth (YoY)3.94%3.17%5.18%1.40%2.49%-146 bps
Loan Growth (YoY)3.45%2.19%-2.83%-6.65%-7.91%-1,136 bps
Share Growth (YoY)2.92%3.08%5.13%0.40%1.91%-101 bps
Asset Quality
Delinquent Loans / Loans0.27%0.27%0.23%0.32%0.33%+6 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 Capital21.41%21.96%21.71%21.85%21.98%+57 bps
Net Worth / Assets21.41%21.96%21.71%21.85%21.98%+57 bps
Liquidity & Funding
Loans / Shares47.75%47.23%46.68%43.53%43.15%-460 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps