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 | |