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Carter

Springhill, LA · Charter 9164

NCUA · 15 branches

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 LA3

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 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.

Peer standing

Capital

9

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

82

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

Carter

Springhill, LA · Charter 9164

NCUA · 15 branches

Q2 2026

$762.9MAssets
$591.9MLoans
$587.6MShares
$65.6MNet 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 0.65%, up 20 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 3.66% of loans (+40 bps YoY).
  • Capital: net worth / assets of 8.60%, up 22 bps from a year ago.
  • Funding: loans stand at 100.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.80%0 bps YoY

Efficiency Ratio (YTD, annualized)

72.52%-146 bps YoY

Net Worth / Assets

8.60%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.37%-0.42%1.16%0.65%+20 bps
Return on Equity5.32%4.04%-4.67%13.24%7.51%+218 bps
Net Interest Margin2.80%2.88%2.95%2.84%2.80%0 bps
Efficiency Ratio73.98%74.66%74.17%63.92%72.52%-146 bps
Growth
Asset Growth (YoY)-0.43%-2.71%-5.99%-4.10%1.40%+183 bps
Loan Growth (YoY)0.47%-5.45%-11.05%-8.14%0.28%-19 bps
Share Growth (YoY)-0.10%-2.88%-6.94%-4.40%1.87%+196 bps
Asset Quality
Delinquent Loans / Loans3.26%3.74%3.92%2.85%3.66%+40 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 Capital8.38%9.14%8.93%8.73%8.60%+22 bps
Net Worth / Assets8.38%9.14%8.93%8.73%8.60%+22 bps
Liquidity & Funding
Loans / Shares102.33%103.45%99.50%96.00%100.74%-159 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

Carter

Springhill, LA · Charter 9164 · Peer group: credit unions under $1B in assets in LA (n=56-57)

NCUA · 15 branches

Q2 2026

$762.9MAssets
$591.9MLoans
$587.6MShares
$65.6MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets in LA (rank 10 of 57).
  • Widest gap: equity / assets trails 91% of credit unions under $1B in assets in LA (rank 52 of 57).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.65%

Rank 27 of 57

Net Interest Margin

2.80%

Rank 52 of 57

Efficiency Ratio

72.52%

Rank 11 of 56

Equity / Assets

8.60%

Rank 52 of 57

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.18%0.61%1.03%Beats 53%27 / 57
Return on Equity7.51%0.88%3.71%5.62%Beats 82%10 / 57
Net Interest Margin2.80%3.51%3.94%4.60%Beats 9%52 / 57
Efficiency Ratio72.52%76.49%84.29%92.65%Beats 82%11 / 56
Asset Quality
Nonperforming Loans / Loans3.66%0.35%1.18%2.04%Beats 9%53 / 57
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.60%11.86%15.46%23.44%Beats 9%52 / 57
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.60%11.86%15.46%23.44%Beats 9%52 / 57
Liquidity & Funding
Loans / Deposits100.74%55.77%71.07%79.18%95th pctl3 / 57
Loans / Assets77.58%44.60%59.45%67.17%93rd pctl4 / 57
Brokered Deposits / Depositsn/aNot reported for this institution