Amite, LA · Charter 7877
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 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
46
Asset Quality
4
Profitability
97
Liquidity
75
Efficiency
100
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.
Amite, LA · Charter 7877
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 | 5.33% | 3.36% | 4.89% | 6.24% | 5.83% | 2.22% | 4.24% | 3.71% | -252 bps | |
| Return on Equity | 36.20% | 30.04% | 38.47% | 39.75% | 34.70% | 16.99% | 30.31% | 24.52% | -1,523 bps | |
| Net Interest Margin | 7.07% | 5.08% | 7.21% | 8.05% | 7.82% | 4.07% | 6.37% | 6.86% | -119 bps | |
| Efficiency Ratio | 24.60% | 33.86% | 32.29% | 22.49% | 25.44% | 45.61% | 33.51% | 45.87% | +2,338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.03% | 1.17% | -0.01% | -9.33% | -8.93% | -10.37% | -7.21% | 3.92% | +1,324 bps | |
| Loan Growth (YoY) | 19.55% | 15.81% | 0.91% | -0.01% | -5.86% | -9.20% | -3.91% | -7.01% | -700 bps | |
| Share Growth (YoY) | -0.13% | 0.64% | -0.53% | -12.00% | -11.16% | -12.23% | -8.57% | 4.59% | +1,659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 1.34% | 2.69% | 4.58% | 4.72% | 10.17% | 10.09% | 10.14% | +556 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 | 2.25% | 4.09% | 4.30% | 4.18% | 4.33% | 5.51% | 5.47% | 5.51% | +132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.72% | 11.19% | 12.70% | 15.69% | 16.81% | 13.03% | 13.98% | 15.15% | -55 bps | |
| Net Worth / Assets | 14.72% | 11.19% | 12.70% | 15.69% | 16.81% | 13.03% | 13.98% | 15.15% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.81% | 61.20% | 60.82% | 70.86% | 68.67% | 63.31% | 63.92% | 63.00% | -786 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amite, LA · Charter 7877 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
3.66%
Rank 2 of 57
Net Interest Margin
6.88%
Rank 1 of 57
Efficiency Ratio
46.88%
Rank 1 of 56
Equity / Assets
15.16%
Rank 31 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.66% | 0.18% | 0.61% | 1.03% | Beats 96% | 2 / 57 | ||
| Return on Equity | 24.11% | 0.88% | 3.71% | 5.62% | Beats 98% | 1 / 57 | ||
| Net Interest Margin | 6.88% | 3.51% | 3.94% | 4.60% | Beats 98% | 1 / 57 | ||
| Efficiency Ratio | 46.88% | 76.49% | 84.29% | 92.65% | Beats 100% | 1 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 10.06% | 0.35% | 1.18% | 2.04% | Beats 4% | 56 / 57 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.16% | 11.86% | 15.46% | 23.44% | Beats 46% | 31 / 57 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.16% | 11.86% | 15.46% | 23.44% | Beats 46% | 31 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.99% | 55.77% | 71.07% | 79.18% | 37th pctl | 36 / 57 | ||
| Loans / Assets | 53.44% | 44.60% | 59.45% | 67.17% | 39th pctl | 35 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||