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 | |