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Acadian

Lafayette, LA · Charter 6898

NCUA · 1 branch

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 LA3

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 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.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

70

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

Acadian

Lafayette, LA · Charter 6898

NCUA · 1 branch

Q2 2026

$20.9MAssets
$10.9MLoans
$18.4MShares
$2.5MNet 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 1.03%, down 65 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.02% of loans (-7 bps YoY).
  • Capital: net worth / assets of 11.86%, up 71 bps from a year ago.
  • Funding: loans stand at 59.31% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%-65 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-38 bps YoY

Efficiency Ratio (YTD, annualized)

77.23%+1,103 bps YoY

Net Worth / Assets

11.86%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.41%1.37%0.96%1.03%-65 bps
Return on Equity15.05%12.56%11.73%8.22%8.68%-636 bps
Net Interest Margin4.46%4.41%4.46%4.09%4.08%-38 bps
Efficiency Ratio66.21%68.31%68.85%78.80%77.23%+1,103 bps
Growth
Asset Growth (YoY)3.20%4.05%1.32%1.66%2.95%-24 bps
Loan Growth (YoY)-0.07%-3.76%-3.89%-7.14%-9.04%-897 bps
Share Growth (YoY)1.53%2.77%-0.10%0.48%2.13%+60 bps
Asset Quality
Delinquent Loans / Loans0.09%0.40%0.55%0.65%0.02%-7 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 Capital11.16%11.25%11.67%11.70%11.86%+71 bps
Net Worth / Assets11.16%11.25%11.67%11.70%11.86%+71 bps
Liquidity & Funding
Loans / Shares66.59%65.76%65.20%61.75%59.31%-728 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

Acadian

Lafayette, LA · Charter 6898 · Peer group: credit unions under $1B in assets in LA (n=56-57)

NCUA · 1 branch

Q2 2026

$20.9MAssets
$10.9MLoans
$18.4MShares
$2.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in LA (rank 6 of 57).
  • Widest gap: equity / assets trails 75% of credit unions under $1B in assets in LA (rank 43 of 57).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.03%

Rank 15 of 57

Net Interest Margin

4.07%

Rank 24 of 57

Efficiency Ratio

77.26%

Rank 18 of 56

Equity / Assets

11.86%

Rank 43 of 57

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.18%0.61%1.03%Beats 74%15 / 57
Return on Equity8.72%0.88%3.71%5.62%Beats 89%6 / 57
Net Interest Margin4.07%3.51%3.94%4.60%Beats 58%24 / 57
Efficiency Ratio77.26%76.49%84.29%92.65%Beats 70%18 / 56
Asset Quality
Nonperforming Loans / Loans0.02%0.35%1.18%2.04%Beats 88%8 / 57
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.86%11.86%15.46%23.44%Beats 25%43 / 57
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.86%11.86%15.46%23.44%Beats 25%43 / 57
Liquidity & Funding
Loans / Deposits59.31%55.77%71.07%79.18%26th pctl42 / 57
Loans / Assets52.19%44.60%59.45%67.17%33rd pctl38 / 57
Brokered Deposits / Depositsn/aNot reported for this institution