Lafayette, LA · Charter 65780
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.37% | -2.35% | -9.43% | -5.69% | -643 bps | |
| Return on Equity | 11.94% | 5.56% | -35.30% | -223% | -129.89% | -14,183 bps | |
| Net Interest Margin | 4.48% | 4.84% | 5.36% | 4.64% | 4.73% | +25 bps | |
| Efficiency Ratio | 90.73% | 96.45% | 99.31% | 143.65% | 129.68% | +3,895 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.11% | -13.19% | -18.10% | -16.43% | -21.23% | -1,112 bps | |
| Loan Growth (YoY) | -4.52% | -12.98% | -14.47% | -12.63% | -14.57% | -1,005 bps | |
| Share Growth (YoY) | -9.51% | -13.07% | -17.46% | -13.07% | -19.72% | -1,020 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.89% | 2.61% | 1.50% | 3.80% | 4.21% | +132 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.18% | 6.75% | 6.65% | 4.24% | 4.38% | -180 bps | |
| Net Worth / Assets | 6.18% | 6.75% | 6.65% | 4.24% | 4.38% | -180 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |