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Pan Amoco

Metairie, LA · Charter 8920

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New Orleans-Metairie, LA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pan Amoco

Metairie, LA · Charter 8920

NCUA · 1 branch

Q2 2026

$7.7MAssets
$3.2MLoans
$7.0MShares
$726KNet 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 0.60%, up 170 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.39%, down 2 bps from a year ago.
  • Funding: loans stand at 45.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+170 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+34 bps YoY

Efficiency Ratio (YTD, annualized)

85.41%-582 bps YoY

Net Worth / Assets

9.39%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.10%-0.69%-0.32%0.58%0.60%+170 bps
Return on Equity-11.70%-7.45%-3.93%6.97%6.39%+1,809 bps
Net Interest Margin3.55%3.44%2.97%3.47%3.89%+34 bps
Efficiency Ratio91.23%93.25%92.66%84.27%85.41%-582 bps
Growth
Asset Growth (YoY)-9.68%-4.32%6.91%16.62%5.90%+1,558 bps
Loan Growth (YoY)-13.86%-8.09%-4.10%-4.73%-12.44%+142 bps
Share Growth (YoY)-0.72%-3.79%7.99%18.74%5.90%+662 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.19%0.00%0.03%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.94%0.90%0.95%1.03%+8 bps
Capital
Risk-Based Capital9.42%9.32%8.17%8.32%9.39%-2 bps
Net Worth / Assets9.42%9.32%8.17%8.32%9.39%-2 bps
Liquidity & Funding
Loans / Shares55.12%54.68%46.31%44.15%45.58%-954 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pan Amoco

Metairie, LA · Charter 8920 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)

NCUA · 1 branch

Q2 2026

$7.7MAssets
$3.2MLoans
$7.0MShares
$726KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 3 of 29).
  • Widest gap: equity / assets trails 90% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 26 of 29).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.60%

Rank 10 of 29

Net Interest Margin

3.88%

Rank 22 of 29

Efficiency Ratio

86.08%

Rank 14 of 29

Equity / Assets

9.39%

Rank 26 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%-0.27%0.39%0.68%Beats 66%10 / 29
Return on Equity6.34%0.64%2.28%5.24%Beats 86%4 / 28
Net Interest Margin3.88%3.88%4.49%4.89%Beats 24%22 / 29
Efficiency Ratio86.08%77.78%86.62%97.23%Beats 55%14 / 29
Asset Quality
Nonperforming Loans / Loans0.03%0.22%1.19%2.21%Beats 93%3 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.39%11.89%14.07%21.10%Beats 10%26 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.39%11.89%14.07%21.10%Beats 10%26 / 29
Liquidity & Funding
Loans / Deposits45.57%45.57%67.88%82.54%24th pctl22 / 29
Loans / Assets41.26%34.60%52.32%69.33%38th pctl18 / 29
Brokered Deposits / Depositsn/aNot reported for this institution