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C-F La.

Donaldsonville, LA · Charter 63851

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Baton Rouge, LA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Baton Rouge, LA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

C-F La.

Donaldsonville, LA · Charter 63851

NCUA · 1 branch

Q2 2026

$6.8MAssets
$2.5MLoans
$5.4MShares
$1.4MNet 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 0.09%, down 84 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY).
  • Capital: net worth / assets of 20.32%, up 167 bps from a year ago.
  • Funding: loans stand at 46.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.09%-84 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-16 bps YoY

Efficiency Ratio (YTD, annualized)

97.78%+2,060 bps YoY

Net Worth / Assets

20.32%+167 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.99%0.73%-0.34%0.09%-84 bps
Return on Equity4.99%5.10%3.80%-1.73%0.43%-456 bps
Net Interest Margin4.05%4.16%4.17%3.76%3.89%-16 bps
Efficiency Ratio77.18%76.45%82.48%109.09%97.78%+2,060 bps
Growth
Asset Growth (YoY)-2.92%-2.93%-2.55%-4.55%-6.78%-386 bps
Loan Growth (YoY)-18.17%-22.01%-22.20%-22.55%-18.20%-3 bps
Share Growth (YoY)-4.95%-4.84%-3.96%-6.12%-8.68%-374 bps
Asset Quality
Delinquent Loans / Loans0.08%0.06%0.07%0.00%0.00%-8 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 Capital18.64%19.33%19.30%19.89%20.32%+167 bps
Net Worth / Assets18.64%19.33%19.30%19.89%20.32%+167 bps
Liquidity & Funding
Loans / Shares52.05%51.63%48.14%45.51%46.62%-542 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

C-F La.

Donaldsonville, LA · Charter 63851 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)

NCUA · 1 branch

Q2 2026

$6.8MAssets
$2.5MLoans
$5.4MShares
$1.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 1 of 21).
  • Widest gap: efficiency ratio trails 81% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 18 of 21).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.09%

Rank 17 of 21

Net Interest Margin

3.88%

Rank 14 of 21

Efficiency Ratio

98.50%

Rank 18 of 21

Equity / Assets

20.32%

Rank 4 of 21

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.09%0.20%0.59%1.13%Beats 19%17 / 21
Return on Equity0.43%1.01%4.78%7.97%Beats 19%17 / 21
Net Interest Margin3.88%3.81%3.95%4.86%Beats 33%14 / 21
Efficiency Ratio98.50%72.50%80.80%90.61%Beats 19%18 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.36%0.80%1.45%Beats 100%1 / 21
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.32%11.23%14.10%17.49%Beats 81%4 / 21
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.32%11.23%14.10%17.49%Beats 81%4 / 21
Liquidity & Funding
Loans / Deposits46.63%58.58%76.49%83.93%5th pctl20 / 21
Loans / Assets37.10%53.07%62.76%69.97%5th pctl20 / 21
Brokered Deposits / Depositsn/aNot reported for this institution