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 | |