Sulphur, LA · Charter 8967
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
75
Asset Quality
23
Profitability
35
Liquidity
4
Efficiency
41
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.
Sulphur, LA · Charter 8967
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.66% | -0.59% | 0.14% | 0.84% | -1.13% | +53 bps | |
| Return on Equity | -7.62% | -2.63% | 0.63% | 3.46% | -4.78% | +284 bps | |
| Net Interest Margin | 6.06% | 6.01% | 5.94% | 6.26% | 6.31% | +25 bps | |
| Efficiency Ratio | 126.65% | 65.35% | 64.64% | 80.32% | 84.58% | -4,207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.28% | -1.65% | -2.60% | -4.43% | -6.24% | -496 bps | |
| Loan Growth (YoY) | -16.77% | -14.53% | -14.60% | -3.84% | -2.82% | +1,395 bps | |
| Share Growth (YoY) | -0.65% | -1.36% | -3.27% | -7.58% | -8.23% | -758 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.29% | 0.81% | 0.37% | 1.14% | 2.09% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.69% | 1.08% | 1.16% | 2.15% | +85 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.77% | 22.58% | 22.83% | 24.20% | 23.70% | +192 bps | |
| Net Worth / Assets | 21.77% | 22.58% | 22.83% | 24.20% | 23.70% | +192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.75% | 90.80% | 86.38% | 95.37% | 95.05% | +530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sulphur, LA · Charter 8967 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.12%
Rank 55 of 57
Net Interest Margin
6.30%
Rank 2 of 57
Efficiency Ratio
85.11%
Rank 34 of 56
Equity / Assets
23.69%
Rank 14 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.12% | 0.18% | 0.61% | 1.03% | Beats 4% | 55 / 57 | |
| Return on Equity | -4.72% | 0.88% | 3.71% | 5.62% | Beats 5% | 54 / 57 | |
| Net Interest Margin | 6.30% | 3.51% | 3.94% | 4.60% | Beats 96% | 2 / 57 | |
| Efficiency Ratio | 85.11% | 76.49% | 84.29% | 92.65% | Beats 41% | 34 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.09% | 0.35% | 1.18% | 2.04% | Beats 23% | 45 / 57 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 23.69% | 11.86% | 15.46% | 23.44% | Beats 75% | 14 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 23.69% | 11.86% | 15.46% | 23.44% | Beats 75% | 14 / 57 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.04% | 55.77% | 71.07% | 79.18% | 88th pctl | 7 / 57 | |
| Loans / Assets | 72.39% | 44.60% | 59.45% | 67.17% | 89th pctl | 6 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||