Lafayette, LA · Charter 65780
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets in LA (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
30
Profitability
26
Liquidity
74
Efficiency
4
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.
Lafayette, LA · Charter 65780
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | 0.81% | 5.29% | 0.74% | 0.37% | -2.35% | -9.43% | -5.69% | -643 bps | |
| Return on Equity | -2.20% | 11.00% | 66.68% | 11.94% | 5.56% | -35.30% | -223% | -129.89% | -14,183 bps | |
| Net Interest Margin | 3.76% | 4.52% | 8.93% | 4.48% | 4.84% | 5.36% | 4.64% | 4.73% | +25 bps | |
| Efficiency Ratio | 102.21% | 89.36% | 57.95% | 90.73% | 96.45% | 99.31% | 143.65% | 129.68% | +3,895 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.41% | -3.72% | -6.56% | -10.11% | -13.19% | -18.10% | -16.43% | -21.23% | -1,112 bps | |
| Loan Growth (YoY) | 85.62% | 83.07% | 6.90% | -4.52% | -12.98% | -14.47% | -12.63% | -14.57% | -1,005 bps | |
| Share Growth (YoY) | -3.10% | -4.75% | -7.83% | -9.51% | -13.07% | -17.46% | -13.07% | -19.72% | -1,020 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.32% | 3.47% | 8.30% | 7.79% | 6.79% | 1.95% | 2.03% | 1.79% | -600 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.33% | 0.81% | 2.89% | 2.61% | 1.50% | 3.80% | 4.21% | +132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.88% | 7.37% | 7.94% | 6.18% | 6.75% | 6.65% | 4.24% | 4.38% | -180 bps | |
| Net Worth / Assets | 6.88% | 7.37% | 7.94% | 6.18% | 6.75% | 6.65% | 4.24% | 4.38% | -180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.10% | 69.37% | 63.39% | 58.77% | 72.17% | 71.88% | 63.70% | 62.53% | +377 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lafayette, LA · Charter 65780 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
Return on Assets
-5.87%
Rank 57 of 57
Net Interest Margin
4.69%
Rank 12 of 57
Efficiency Ratio
131.25%
Rank 55 of 56
Equity / Assets
4.40%
Rank 57 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -5.87% | 0.18% | 0.61% | 1.03% | Beats 0% | 57 / 57 | ||
| Return on Equity | -133.33% | 0.88% | 3.71% | 5.62% | Beats 0% | 57 / 57 | ||
| Net Interest Margin | 4.69% | 3.51% | 3.94% | 4.60% | Beats 79% | 12 / 57 | ||
| Efficiency Ratio | 131.25% | 76.49% | 84.29% | 92.65% | Beats 4% | 55 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.96% | 0.35% | 1.18% | 2.04% | Beats 30% | 41 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.40% | 11.86% | 15.46% | 23.44% | Beats 0% | 57 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.40% | 11.86% | 15.46% | 23.44% | Beats 0% | 57 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.58% | 55.77% | 71.07% | 79.18% | 33rd pctl | 38 / 57 | ||
| Loans / Assets | 59.82% | 44.60% | 59.45% | 67.17% | 51st pctl | 28 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||