PackageTrendsPeer
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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 (quarter, annualized)

1.03%-65 bps YoY

Net Interest Margin (quarter, annualized)

4.08%-38 bps YoY

Efficiency Ratio (quarter, annualized)

77.23%+1,103 bps YoY

Net Worth / Assets

11.86%+71 bps YoY

Discrete quarter, annualized.

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