Springhill, LA · Charter 9164
NCUA · 15 branches
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 | 0.45% | 0.37% | -0.42% | 1.16% | 0.65% | +20 bps | |
| Return on Equity | 5.32% | 4.04% | -4.67% | 13.24% | 7.51% | +218 bps | |
| Net Interest Margin | 2.80% | 2.88% | 2.95% | 2.84% | 2.80% | 0 bps | |
| Efficiency Ratio | 73.98% | 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 / Loans | 3.26% | 3.74% | 3.92% | 2.85% | 3.66% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 9.14% | 8.93% | 8.73% | 8.60% | +22 bps | |
| Net Worth / Assets | 8.38% | 9.14% | 8.93% | 8.73% | 8.60% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.33% | 103.45% | 99.50% | 96.00% | 100.74% | -159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |