New Orleans, LA · Charter 7045
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
17
Profitability
44
Liquidity
10
Efficiency
24
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.
New Orleans, LA · Charter 7045
NCUA · 1 branch
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 | 0.48% | 0.31% | 1.15% | 0.13% | 0.45% | 0.09% | 0.50% | 0.08% | -5 bps | |
| Return on Equity | 4.92% | 2.98% | 11.01% | 1.25% | 4.44% | 0.84% | 4.63% | 0.72% | -53 bps | |
| Net Interest Margin | 4.94% | 5.32% | 5.89% | 5.07% | 5.07% | 5.23% | 5.06% | 4.92% | -14 bps | |
| Efficiency Ratio | 83.79% | 88.23% | 75.41% | 91.72% | 87.46% | 93.41% | 90.28% | 97.52% | +580 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.29% | -0.66% | 1.11% | 1.22% | -1.50% | 0.02% | -3.58% | -2.85% | -408 bps | |
| Loan Growth (YoY) | 1.95% | -0.47% | -11.61% | -14.37% | -13.31% | -15.17% | -13.04% | -13.71% | +66 bps | |
| Share Growth (YoY) | -9.36% | -1.08% | 0.73% | 1.02% | -1.99% | -0.07% | -3.93% | -3.24% | -426 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.00% | 1.17% | 1.39% | 1.01% | 2.53% | 3.05% | 3.27% | +187 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 | 0.68% | 0.84% | 1.16% | 1.34% | 1.38% | 1.79% | 1.93% | 1.98% | +64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.76% | 10.46% | 10.46% | 10.23% | 10.17% | 10.55% | 10.76% | 10.59% | +36 bps | |
| Net Worth / Assets | 9.76% | 10.46% | 10.46% | 10.23% | 10.17% | 10.55% | 10.76% | 10.59% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.28% | 43.40% | 37.96% | 38.74% | 36.52% | 36.84% | 34.36% | 34.54% | -419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Orleans, LA · Charter 7045 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.12%
Rank 19 of 29
Net Interest Margin
4.85%
Rank 11 of 29
Efficiency Ratio
100.00%
Rank 23 of 29
Equity / Assets
10.61%
Rank 25 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.12% | -0.27% | 0.39% | 0.68% | Beats 34% | 19 / 29 | ||
| Return on Equity | 1.14% | 0.64% | 2.28% | 5.24% | Beats 36% | 18 / 28 | ||
| Net Interest Margin | 4.85% | 3.88% | 4.49% | 4.89% | Beats 62% | 11 / 29 | ||
| Efficiency Ratio | 100.00% | 77.78% | 86.62% | 97.23% | Beats 24% | 23 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.35% | 0.22% | 1.19% | 2.21% | Beats 17% | 25 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.61% | 11.89% | 14.07% | 21.10% | Beats 14% | 25 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.61% | 11.89% | 14.07% | 21.10% | Beats 14% | 25 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 34.54% | 45.57% | 67.88% | 82.54% | 14th pctl | 25 / 29 | ||
| Loans / Assets | 30.75% | 34.60% | 52.32% | 69.33% | 17th pctl | 24 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||