Farmerville, LA · Charter 7301
NCUA · 2 branches
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 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.
Capital
68
Asset Quality
100
Profitability
2
Liquidity
0
Efficiency
2
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.
Farmerville, LA · Charter 7301
NCUA · 2 branches
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 | -3.20% | -3.38% | -3.19% | -3.94% | -3.36% | -3.76% | -3.98% | -3.96% | -1 bps | |
| Return on Equity | -11.69% | -12.53% | -12.36% | -15.56% | -13.63% | -14.96% | -17.47% | -18.64% | -308 bps | |
| Net Interest Margin | 2.81% | 2.64% | 2.88% | 2.33% | 2.65% | 2.60% | 2.58% | 2.19% | -14 bps | |
| Efficiency Ratio | 204% | 216% | 205% | 257% | 216% | 226% | 250% | 271% | +1,428 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.96% | -14.20% | -5.34% | -4.40% | -2.55% | -6.53% | -2.46% | 2.42% | +682 bps | |
| Loan Growth (YoY) | -7.69% | -8.93% | -12.42% | -12.52% | -4.12% | -7.09% | -7.84% | 3.95% | +1,647 bps | |
| Share Growth (YoY) | -15.69% | -15.60% | -3.32% | -1.66% | 0.75% | -4.24% | 1.56% | 8.22% | +988 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.57% | 0.00% | 0.00% | 0.00% | 0.00% | 0.51% | 0.00% | 0 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 | 4.81% | 5.13% | 5.66% | 5.15% | 5.02% | 5.52% | 6.14% | 4.96% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.41% | 26.99% | 25.85% | 25.34% | 24.66% | 25.12% | 22.77% | 21.22% | -412 bps | |
| Net Worth / Assets | 27.41% | 26.99% | 25.85% | 25.34% | 24.66% | 25.12% | 22.77% | 21.22% | -412 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.04% | 32.35% | 28.54% | 31.98% | 32.40% | 31.39% | 25.90% | 30.72% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Farmerville, LA · Charter 7301 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 2 branches
Q2 2026
Return on Assets
-3.93%
Rank 56 of 57
Net Interest Margin
2.29%
Rank 56 of 57
Efficiency Ratio
271%
Rank 56 of 56
Equity / Assets
21.28%
Rank 18 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.93% | 0.18% | 0.61% | 1.03% | Beats 2% | 56 / 57 | ||
| Return on Equity | -18.46% | 0.88% | 3.71% | 5.62% | Beats 2% | 56 / 57 | ||
| Net Interest Margin | 2.29% | 3.51% | 3.94% | 4.60% | Beats 2% | 56 / 57 | ||
| Efficiency Ratio | 271% | 76.49% | 84.29% | 92.65% | Beats 2% | 56 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.35% | 1.18% | 2.04% | Beats 100% | 7 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.28% | 11.86% | 15.46% | 23.44% | Beats 68% | 18 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.28% | 11.86% | 15.46% | 23.44% | Beats 68% | 18 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.80% | 55.77% | 71.07% | 79.18% | 2nd pctl | 56 / 57 | ||
| Loans / Assets | 23.90% | 44.60% | 59.45% | 67.17% | 5th pctl | 54 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||