Baton Rouge, LA · Charter 7253
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 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.
Capital
5
Asset Quality
14
Profitability
35
Liquidity
37
Efficiency
5
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.
Baton Rouge, LA · Charter 7253
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 | 0.32% | 0.27% | 0.11% | 0.11% | 0.12% | 0.09% | -0.70% | -1.33% | -144 bps | |
| Return on Equity | 3.33% | 2.79% | 1.19% | 1.18% | 1.28% | 0.93% | -7.57% | -15.16% | -1,633 bps | |
| Net Interest Margin | 6.14% | 6.12% | 5.83% | 5.82% | 6.12% | 5.90% | 6.24% | 5.69% | -13 bps | |
| Efficiency Ratio | 96.64% | 97.22% | 98.76% | 98.84% | 98.72% | 99.09% | 107.89% | 115.53% | +1,669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.77% | -1.22% | 2.82% | 3.14% | 0.93% | 4.23% | -4.63% | -1.70% | -485 bps | |
| Loan Growth (YoY) | 0.15% | 2.69% | 2.33% | 0.62% | 4.91% | 0.45% | -0.42% | -0.09% | -71 bps | |
| Share Growth (YoY) | -6.78% | -4.10% | 3.06% | 3.47% | 0.81% | 6.02% | -5.22% | -1.62% | -509 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.07% | 2.40% | 2.39% | 5.64% | 7.79% | 7.66% | 7.22% | 7.75% | +211 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 | 4.83% | 4.86% | 5.15% | 4.75% | 4.49% | 3.90% | 3.28% | 3.11% | -163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.48% | 9.53% | 8.99% | 9.22% | 9.51% | 9.23% | 9.31% | 8.75% | -47 bps | |
| Net Worth / Assets | 9.48% | 9.53% | 8.99% | 9.22% | 9.51% | 9.23% | 9.31% | 8.75% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.49% | 65.13% | 55.52% | 57.69% | 60.87% | 61.70% | 58.33% | 58.59% | +89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baton Rouge, LA · Charter 7253 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.34%
Rank 19 of 21
Net Interest Margin
5.71%
Rank 2 of 21
Efficiency Ratio
115.20%
Rank 21 of 21
Equity / Assets
8.76%
Rank 20 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.34% | 0.20% | 0.59% | 1.13% | Beats 10% | 19 / 21 | ||
| Return on Equity | -15.35% | 1.01% | 4.78% | 7.97% | Beats 5% | 20 / 21 | ||
| Net Interest Margin | 5.71% | 3.81% | 3.95% | 4.86% | Beats 90% | 2 / 21 | ||
| Efficiency Ratio | 115.20% | 72.50% | 80.80% | 90.61% | Beats 5% | 21 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 7.76% | 0.36% | 0.80% | 1.45% | Beats 14% | 19 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.76% | 11.23% | 14.10% | 17.49% | Beats 5% | 20 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.76% | 11.23% | 14.10% | 17.49% | Beats 5% | 20 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.58% | 58.58% | 76.49% | 83.93% | 24th pctl | 16 / 21 | ||
| Loans / Assets | 53.07% | 53.07% | 62.76% | 69.97% | 24th pctl | 16 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||