Baton Rouge, LA · Charter 68736
NCUA · 6 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 | -0.31% | -0.69% | -0.40% | -0.26% | -0.34% | 0.05% | 0.48% | 0.46% | +72 bps | |
| Return on Equity | -3.34% | -8.11% | -5.05% | -2.68% | -3.68% | 0.57% | 5.33% | 5.09% | +777 bps | |
| Net Interest Margin | 3.08% | 3.06% | 3.04% | 3.07% | 3.21% | 3.37% | 3.76% | 3.81% | +73 bps | |
| Efficiency Ratio | 93.07% | 92.85% | 97.15% | 98.67% | 97.63% | 91.57% | 85.23% | 81.13% | -1,754 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | 1.21% | -0.91% | 5.28% | 6.83% | 7.18% | 7.88% | 8.34% | +306 bps | |
| Loan Growth (YoY) | -2.15% | -1.06% | 1.97% | 2.15% | 4.53% | 5.68% | 8.37% | 10.34% | +819 bps | |
| Share Growth (YoY) | -4.01% | 1.84% | 3.47% | 6.64% | 4.58% | 5.62% | 2.45% | 1.05% | -559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.11% | 0.89% | 1.76% | 1.32% | 1.68% | 1.12% | 1.45% | -32 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.20% | 8.48% | 8.02% | 9.69% | 9.25% | 9.15% | 9.04% | 9.06% | -62 bps | |
| Net Worth / Assets | 9.20% | 8.48% | 8.02% | 9.69% | 9.25% | 9.15% | 9.04% | 9.06% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.45% | 91.44% | 87.74% | 88.29% | 92.41% | 91.48% | 92.82% | 96.41% | +812 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |