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Essential

Baton Rouge, LA · Charter 68736

NCUA · 6 branches

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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

48

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

Essential

Baton Rouge, LA · Charter 68736

NCUA · 6 branches

Q2 2026

$434.2MAssets
$349.4MLoans
$362.4MShares
$39.3MNet 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 0.46%, up 72 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.45% of loans (-32 bps YoY).
  • Capital: net worth / assets of 9.06%, down 62 bps from a year ago.
  • Funding: loans stand at 96.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%+72 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+73 bps YoY

Efficiency Ratio (YTD, annualized)

81.13%-1,754 bps YoY

Net Worth / Assets

9.06%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.26%-0.34%0.05%0.48%0.46%+72 bps
Return on Equity-2.68%-3.68%0.57%5.33%5.09%+777 bps
Net Interest Margin3.07%3.21%3.37%3.76%3.81%+73 bps
Efficiency Ratio98.67%97.63%91.57%85.23%81.13%-1,754 bps
Growth
Asset Growth (YoY)5.28%6.83%7.18%7.88%8.34%+306 bps
Loan Growth (YoY)2.15%4.53%5.68%8.37%10.34%+819 bps
Share Growth (YoY)6.64%4.58%5.62%2.45%1.05%-559 bps
Asset Quality
Delinquent Loans / Loans1.76%1.32%1.68%1.12%1.45%-32 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 Capital9.69%9.25%9.15%9.04%9.06%-62 bps
Net Worth / Assets9.69%9.25%9.15%9.04%9.06%-62 bps
Liquidity & Funding
Loans / Shares88.29%92.41%91.48%92.82%96.41%+812 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

Essential

Baton Rouge, LA · Charter 68736 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)

NCUA · 6 branches

Q2 2026

$434.2MAssets
$349.4MLoans
$362.4MShares
$39.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 52% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 10 of 21).
  • Widest gap: equity / assets trails 90% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 19 of 21).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.46%

Rank 13 of 21

Net Interest Margin

3.81%

Rank 16 of 21

Efficiency Ratio

81.13%

Rank 12 of 21

Equity / Assets

9.06%

Rank 19 of 21

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.46%0.20%0.59%1.13%Beats 38%13 / 21
Return on Equity5.08%1.01%4.78%7.97%Beats 52%10 / 21
Net Interest Margin3.81%3.81%3.95%4.86%Beats 24%16 / 21
Efficiency Ratio81.13%72.50%80.80%90.61%Beats 48%12 / 21
Asset Quality
Nonperforming Loans / Loans1.45%0.36%0.80%1.45%Beats 29%16 / 21
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.06%11.23%14.10%17.49%Beats 10%19 / 21
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.06%11.23%14.10%17.49%Beats 10%19 / 21
Liquidity & Funding
Loans / Deposits96.41%58.58%76.49%83.93%90th pctl2 / 21
Loans / Assets80.46%53.07%62.76%69.97%90th pctl2 / 21
Brokered Deposits / Depositsn/aNot reported for this institution