PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Agencies

Shreveport, LA · Charter 8006

NCUA · 1 branch

Q2 2026

$8.4MAssets
$3.6MLoans
$5.3MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.32%, up 18 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 3.42% of loans (+66 bps YoY).
  • Capital: net worth / assets of 37.55%, up 267 bps from a year ago.
  • Funding: loans stand at 68.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.70%-3 bps YoY

Efficiency Ratio (YTD, annualized)

74.09%-779 bps YoY

Net Worth / Assets

37.55%+267 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.03%0.20%0.56%0.32%+18 bps
Return on Equity0.40%0.07%0.53%1.52%0.86%+46 bps
Net Interest Margin4.73%4.89%4.96%4.54%4.70%-3 bps
Efficiency Ratio81.88%82.07%82.75%76.16%74.09%-779 bps
Growth
Asset Growth (YoY)0.62%-1.43%-2.77%-3.12%-6.40%-702 bps
Loan Growth (YoY)-7.98%-5.77%2.67%-1.64%-11.26%-328 bps
Share Growth (YoY)0.72%-1.67%-4.64%-5.34%-10.25%-1,097 bps
Asset Quality
Delinquent Loans / Loans2.76%1.91%1.74%2.63%3.42%+66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital34.88%36.58%37.41%36.85%37.55%+267 bps
Net Worth / Assets34.88%36.58%37.41%36.85%37.55%+267 bps
Liquidity & Funding
Loans / Shares68.77%74.05%78.54%71.84%68.00%-77 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps