Baton Rouge, LA · Charter 9229
NCUA · 12 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -0.70% | 0.16% | 0.34% | 0.47% | 0.36% | 0.29% | 0.30% | -4 bps | |
| Return on Equity | -2.61% | -6.02% | 1.41% | 2.97% | 4.03% | 3.12% | 2.60% | 2.71% | -27 bps | |
| Net Interest Margin | 3.09% | 3.22% | 3.09% | 3.24% | 3.32% | 3.23% | 3.06% | 3.13% | -11 bps | |
| Efficiency Ratio | 83.73% | 82.73% | 80.87% | 79.37% | 77.42% | 77.84% | 82.08% | 81.09% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.92% | 6.87% | -0.70% | -1.31% | -1.08% | 4.03% | 4.27% | 5.63% | +694 bps | |
| Loan Growth (YoY) | 15.82% | 15.91% | 5.29% | -0.28% | 1.83% | 0.41% | 2.98% | 7.36% | +764 bps | |
| Share Growth (YoY) | 11.09% | 8.74% | 0.63% | -0.06% | -0.12% | 4.09% | 3.98% | 5.54% | +560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.83% | 1.30% | 1.66% | 1.58% | 1.60% | 1.21% | 1.25% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.66% | 11.57% | 11.22% | 11.42% | 11.59% | 11.40% | 11.06% | 11.07% | -35 bps | |
| Net Worth / Assets | 11.66% | 11.57% | 11.22% | 11.42% | 11.59% | 11.40% | 11.06% | 11.07% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.54% | 95.74% | 94.98% | 93.20% | 95.36% | 92.35% | 94.07% | 94.81% | +161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |