Alexandria, LA · Charter 7473
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 | 1.17% | 0.93% | 0.03% | 0.84% | 0.99% | 1.20% | 1.24% | 1.10% | +26 bps | |
| Return on Equity | 4.80% | 3.83% | 0.11% | 3.44% | 4.08% | 4.83% | 5.13% | 4.43% | +99 bps | |
| Net Interest Margin | 4.14% | 4.14% | 3.94% | 3.98% | 3.95% | 4.01% | 3.86% | 3.99% | +1 bps | |
| Efficiency Ratio | 67.77% | 67.80% | 71.82% | 70.53% | 69.97% | 70.24% | 76.36% | 74.68% | +415 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 1.32% | 3.97% | 5.21% | 3.77% | 3.20% | 6.45% | 3.47% | -174 bps | |
| Loan Growth (YoY) | 7.59% | 6.08% | 5.88% | 4.61% | 0.83% | -1.75% | -7.74% | -4.38% | -899 bps | |
| Share Growth (YoY) | -1.53% | 0.58% | 4.43% | 5.86% | 4.02% | 2.60% | 6.50% | 2.87% | -299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.77% | 3.99% | 3.53% | 2.44% | 1.40% | 2.00% | 1.21% | 1.15% | -129 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 | 0.75% | 0.70% | 0.82% | 0.86% | 0.86% | 0.78% | 0.67% | 0.56% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.33% | 24.37% | 24.16% | 24.37% | 24.24% | 24.82% | 24.16% | 24.88% | +50 bps | |
| Net Worth / Assets | 24.33% | 24.37% | 24.16% | 24.37% | 24.24% | 24.82% | 24.16% | 24.88% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.14% | 99.21% | 97.87% | 96.47% | 93.20% | 95.01% | 84.79% | 89.67% | -680 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |