PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fleur-De-Lis

Metairie, LA · Charter 7376

NCUA · 2 branches

Q2 2026

$16.8MAssets
$6.1MLoans
$14.9MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.32%, up 74 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.23% of loans (+5 bps YoY).
  • Capital: net worth / assets of 11.89%, up 77 bps from a year ago.
  • Funding: loans stand at 41.26% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.32%+74 bps YoY

Net Interest Margin (quarter, annualized)

4.48%+21 bps YoY

Efficiency Ratio (quarter, annualized)

84.82%-1,202 bps YoY

Net Worth / Assets

11.89%+77 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.57%-1.03%-0.42%-0.03%0.31%0.28%0.32%+74 bps
Return on Equity5.63%4.76%-9.24%-3.74%-0.28%2.72%2.43%2.69%+643 bps
Net Interest Margin4.48%4.58%4.22%4.27%4.33%4.35%4.37%4.48%+21 bps
Efficiency Ratio86.30%87.78%95.22%96.84%94.56%90.85%85.16%84.82%-1,202 bps
Growth
Asset Growth (YoY)-4.66%-5.84%-0.18%3.87%2.30%4.78%1.19%-1.77%-565 bps
Loan Growth (YoY)-3.57%-8.14%-8.57%-12.57%-11.94%-8.75%-5.14%-1.85%+1,072 bps
Share Growth (YoY)-5.87%-7.00%-0.65%3.76%2.28%4.61%0.44%-3.00%-676 bps
Asset Quality
Delinquent Loans / Loans0.42%0.59%2.28%0.18%0.43%0.25%0.44%0.23%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.61%11.92%11.16%11.12%11.39%11.57%11.55%11.89%+77 bps
Net Worth / Assets11.61%11.92%11.16%11.12%11.39%11.57%11.55%11.89%+77 bps
Liquidity & Funding
Loans / Shares47.60%47.66%43.18%40.78%40.98%41.58%40.78%41.26%+48 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps